There are rather a lot of confounds here. I don't really want to get too much into that because it's a rathole of speculation, but if there were a gene for risk

There are rather a lot of confounds here. I don't really want to get too much into that because it's a rathole of speculation, but if there were a gene for risk, and if risk taking made people more likely to accumulate wealth, then being descended from parents with money might lead to an inheritance of both financial assets and some polygenic entrepreneurial genotype. Honestly though, that's missing the point. There are plenty of persons with a high appetite for risk who end up as burglars, robbers, embezzlers, fraudsters, or some other unsavory and largely unsuccessful or net destructive career. In my observation there are two essential traits for a successful entrepreneur: persistence and creativity. Everyone knows what persistence is, but I mean creativity in a broader sense than just art. Anyone who has read Julian May's marvelous Saga of Pliocene Exile will know what I mean. For those who haven't, creativity is essentially the ability to create. Every successful entrepreneur has by definition created something of value. Since as far as we know all traits are heritable, creativity must be heritable as well. However it's an even more subtle and ephemeral quality than intelligence, so I doubt we'll be able to identify the genetic basis of creativity within our lifetimes. By this I mean that while it is at least somewhat possible to synthetically test intelligence, there is no test for creativity other than reality itself. I actually believe that for the sufficiently creative individual, risk is a non-factor. I have had the privilege of knowing a few people of this type, and they literally can't really fail. Sure, one enterprise might not work out, but these folks are just a wellspring of ideas plus execution. They could be dead broke and they'd still succeed in building things.