For Jeff Shubb (John Laughlin), inheriting his father's yacht and charter business in the Florida Keys was a dream come true. When his wife's employer, Morley Barton (Daniel J. Travanti), suggests the two couples cruise to the Bahamas, Jeff sees his financial worries drifting away. Once at sea, Morley provides a new destination, an island off Cuba where he stashed a fortune before Castro's regime. He offers Jeff half to help him retrieve his treasure. But all is not smooth sailing, as the past encroaches on the present, and too many deceits connect the foursome in a deadly game of intrigue.