“What do you have to lose, Kate?” Ryan asked me, as we stood on the bluff looking out on Lake Michigan.

Turns out, almost everything.

When I first moved from Manhattan to this small town six years ago, I worried about many things. I worried about finding a job. I worried that I’d be bored. I worried that my relationship with charming photographer Ryan Breslow was moving too fast. But I never worried about whether the ground beneath my feet would crumble—both literally and figuratively.

My marriage didn’t go as I’d imagined. A year ago, Ryan met his untimely death in a car accident that’s still under investigation. Isolated and alone, all I wanted was to sell my home and leave Crest Lake and its painful memories behind. But with my home inching ever closer to the edge of the crumbling bluff, the property has become unmarketable. All of us on the lakefront have lost chunks of property, and tempers are at a boiling point about what to do next.

And now, on the evening of a contentious vote about how to fix this pressing issue, my nemesis on the shoreline committee has been murdered. I know how it looks, but it’s not what it seems. But I have to get my plan passed and cash out.

Because I do have secrets.

And they won’t stay buried forever.