The character is adopted into a Wealthy family. If he is an orphan, it is a true adoption. If he has living parents, he is treated just like a son. (work with your DM to determine details)
Divorce: During your adolescence your parents split up and you were forced to chose which parent to live with (Work with your DM to detirmine the details)
In adult life you gain a rival who seeks to undo your character, they will attempt to hinder your efforts until they get what they want. (work with your DM to determine details)