One more Michael A. Smith (on Amazon US):
Legacy of the Lake
Jack Olsen, a down-on-his luck former cop, seeks inner healing at the Lake of the Ozarks in Missouri. Out fishing one day, he witnesses a deliberate collision that leaves one man dead. Hired by the elderly victim's companion to investigate the so-called accident, Jack discovers another world beneath the surface of paradise---one characterized by organized crime, political corruption, drugs and gambling. Working with Kate Carter, the new love of his life, Jack follows a money trail littered with greed, obsession and hate. With one final throw of the dice, it appears he's turned up snake eyes.