The prospect of immense wealth is the promise of a successful business. You have ether been gifted an establishment that you have run for a while or you built your business from the ground up. It took effort to get as far as you did, or it was just a matter of patients and waiting for those under you to make coin. Ether way you have a small place that you can hopefully come back to after adventures

Regardless of your past and the wealth of your family, your initial status within the town is near the bottom, until you have proven your value.

Skill Proficiencies: Intimidation, Perception

Languages: Two of your choice

Equipment: A bar insignia, a foot-long chain made of ten gold coins, vestments, a set of fine clothes, and a belt pouch containing 1 pp 

Spell List

Spell Level	Spells
Cantrip	friends, guidance
1st	command, illusory script
2nd	enthrall, ray of enfeeblement, zone of truth
3rd	bestow curse, speak with dead, spirit guardians
4th	blight, death ward, leomund's secret chest
5th	geas

Suggested Characteristics

Members of your local business owners range from the decadent nobility at the top of the oligarchy to the debt-ridden wretches trying to pay back the former at the bottom. You fall somewhere between those extremes, so you might behave with the arrogance of the very rich or the humility of the impoverished.

d8	Personality Trait
1	I am always willing to act in accordance with the financial incentive offered.
2	Debts are never meant to be forgiven.
3	I am accustomed to enjoying the finest pleasures money can buy.
4	No one could doubt that I am a cut above the masses of pitiful peasants that infest the city.
5	I can’t stand to spend a zib more than necessary to purchase what I need.
6	I hate it when people try to make light of a serious situation.
7	I want to make sure everyone is aware of how wealthy, powerful, and important I am.
8	I can’t think of anything to look forward to.

d6	Ideal
1	Guild. My guild is all that really matters. (Any)
2	Wealth. I will do whatever it takes to become as rich as the oligarchs. (Evil)
3	Power. One day, I will be the one giving orders. (Evil)
4	Prestige. I want to be admired, respected, feared, or even hated for my position and wealth. (Evil)
5	Stability. The economy functions best when chaos is kept under control and everyone knows their place. (Lawful)
6	Eternity. I want to live forever — in the flesh as long as possible, and as a spirit afterward. (Any)

d6	Bond
1	The unbearable weight of my debt has driven me to desperation.
2	I’m duty-bound to obey the dictates of an ancestor on the Ghost Council.
3	I value my worldly goods more highly than my mortal life.
4	An oligarch publicly humiliated me, and I will exact revenge on that whole family.
5	My faith in the Obzedat never wavers.
6	I want to prove myself more worthy than an older sibling and thereby ensure that I inherit a greater share of my parents’ wealth.

d6	Flaw
1	I hold a scandalous secret that could ruin my family forever — but could also earn me the favor of the Ghost Council.
2	I’m convinced that everyone I know is plotting against me.
3	I’ll brave any risk if the monetary reward is great enough.
4	I am convinced that I am far more important than anyone else is willing to acknowledge.
5	I have little respect for anyone who isn’t wealthy.
6	I’ll take any opportunity to steal from wealthier people, even for worthless trinkets.

Contacts

The local community operates according to a hierarchy built on a network of connections among wealthy families. Your family might provide important contacts, while your family’s activities in adventuring, banking, or debt collection could tie you to members of other guilds.

Roll twice on the town leadership table (for an ally and a rival) and once on the strange customers Contacts table.

d8	Contact
1	The spirit of an ancestor has taken an interest in me.
2	An older cousin has the ear of a powerful oligarch.
3	I know a knight who is responsible for collecting debts from powerful people.
4	A vampire pontiff tried to use me as a pawn in past schemes.
5	A silent spirit follows me around.
6	A sibling has keys to parts of Vizkopa Bank.
7	A giant thinks I’m adorable.
8	I regularly offer tribute to an angel, and the angel has been kind to me in turn.

d10	Non-contact
1	An Azorius arrester is always snooping into my family’s business transactions.
2	A Boros paladin saved my life, to my everlasting shame.
3	I know a shopkeeper who is secretly a Dimir agent and tries to make sure that I keep that secret hidden.
4	I’m fascinated by the culture of the Golgari kraul, and I have formed a friendship with one of their death priests.
5	A Gruul druid hates me but would never dare to touch me.
6	I know an Izzet engineer who is desperate to pay off a debt accrued by a deceased relative.
7	Roll an additional Orzhov contact; you can decide if the contact is an ally or a rival.
8	My childhood friend is now a Rakdos torturer. We still meet for drinks occasionally.
9	I have the key to a vault where a Selesnya druid is hiding an item of secret shame.
10	I was married to a Simic bioengineer.