The routine meets the unbelievable. A wealthy French physician and his wife create an offshore trust in the Cayman Islands for the benefit of their children and grandchildren. However, both the physician and his wife die without having revealed the existence of the trust to their children.

The hero, a retired senior asset management executive, finds out by accident that he and his siblings might be beneficiaries of a trust which has grown to more than $600 million! Yet as he and his friend, who works at the bank that manages the money in the trust, dig into the trust and its history, they find irregularities.

In order to ensure that the police or the internal authorities of the bank are not brought in to look at frivolities, the hero and his friend conduct a thorough investigation of what may have happened, looking for the potential guilty parties. This takes them throughout the Caribbean, to Florida, and to Canada. The intrigue digs into investment management, trust, accounting, and legal issues along with the usual human aspects of a variety of protagonists.