Newport, Rhode Island, August 1895: She may be a less well-heeled relation, but as second cousin to millionaire patriarch Cornelius Vanderbilt, twenty-one-year-old Emma Cross is on the guest list for a grand ball at the Breakers, the Vanderbilts’ summer home. She also has a job to do—report on the event for the society page of the Newport Observer.

But Emma observes much more than glitz and gaiety when she witnesses a murder. The victim is Cornelius Vanderbilt’s financial secretary, who plunges off a balcony faster than falling stock prices. Emma’s black sheep brother Brady is found in Cornelius’s bedroom passed out next to a bottle of bourbon and stolen plans for a new railroad line. Brady has barely come to before the police have arrested him for the murder. But Emma is sure someone is trying to railroad her brother and resolves to find the real killer at any cost…