Resourceful amateur sleuths Will and Betsy Black are back for another challenging adventure. A Calculated Conspiracy takes the intrepid couple to the Florida Keys where they once again inadvertently become embroiled with a venture involving members of a Colombian cartel. Betsy is named as area president for WB Bank in Key West. Shortly thereafter bumbling lender Carson Crown introduces the bank to Club Tropic, the fastest growing real estate investment company in the Keys. Through common sense and their financial expertise, Will and Betsy quickly realize there is much more to Club Tropic than appears on the surface. Club Tropic is rehabbing commercial properties and offering deals to potential investors that appear too good to be true. Unsophisticated and unwary investors both in and out of the Keys are flocking to take advantage of a once-in-a-lifetime investment opportunity.

Will and Betsy find themselves involved head-over-heels in a non-stop escapade when Club Tropic employees and investors begin to turn up dead. New characters and old shape this thriller as Will and Betsy find themselves in harm's way—but who exactly is out to get them? They soon find out that they are not only dealing with Club Tropic's scheming management, but vindictive New Jersey hoods and even some familiar faces from a South American connection. Will and Betsy validate the phrase caveat emptor in this exciting and often humorous journey through the Florida Keys that leads to an unexpected conclusion.