Rick Cunningham has no reason to doubt the vicious killing of Ocean State Bank's executive vice president was due to a robbery gone wrong. However, when the swollen body of the EVP's brother washes ashore on a quiet stretch of Boca Raton beachfront, he begins to wonder. He keeps his suspicions to himself until Katherine Ainsley, the distraught and troubled sister of the deceased brothers, accuses Rick's boss, Ocean State's president Big Earl Hartwig, of the double murders. She alleges his motive is to thwart a trust that transfers controlling interest in the bank to her and her two dead brothers. As the last beneficiary, she ominously predicts she is next to die. Because he cares for Katherine, Rick risks his career and his life embarking on a dangerous search for the truth, which is far more complex and deadly, then he could have imagined.