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)
During your early adulthood you saved someone's life. This person becomes your companion. (work with your DM to determine details) Roll 1d10 on a 9-10 your companion falls in love with you.