The body of a small-time drug dealer washes up in Belmont Harbor among the yachts of Chicago's wealthy. Convinced that this murder connects to her husband's suicide two years prior, wealthy widow Janice Fairs hires private eye Paul Whelan to investigate.

Whelan's investigation takes him into the rarefied air of the wealthy, where he begins to discover unlikely connections between the two men in the harbor. But Whelan isn't the only one snooping, and he discovers himself an unwitting player in a game of cat-and-mouse, with deadly consequences.