After bank auditor Steve Wilson takes early retirement, he travels to Stone Harbor, Maine, for an extended vacation. His plan is to work on a mystery novel about a money laundering case while contemplating what to do with the rest of his life. But as he soaks in the atmosphere and culture of a lobster-fishing town in Maine, he sees another mystery unfolding that could involve drugs, more money laundering, and even murder. His curiosity draws him in, and he finds himself in a situation more dangerous than the financial investigations to which he is accustomed. Will life after retirement turn out to be exciting but short?
The author presents the story as a no-frills first-person account. Steve seems to be a man of relatively few words with an orderly approach to problem-solving. He enjoys life and has wide-ranging interests. As an affluent 55-year-old single man, it is not surprising that he draws favorable attention from two women over the course of his adventure. By the time the investigation is complete, he has some ideas about what he might do next.