Chapter 14: The Last Piece of Rachel's Plan
Rebecca and I spent the next two days working with the financial investigators.
The money trail was complicated.
Rachel's grandfather had established several investment accounts decades with the financial investigators.
The money trail was complicated.
Rachel's grandfather had established several investment accounts decades earlier. Some were transferred into Rachel's name, while others were managed through a family company.
Peter Harrison, Rachel's cousin earlier. Some were transferred into Rachel's name, while others were managed through a family company.
Peter Harrison, Rachel's cousin, had been responsible for maintaining several property records.
After his death, someone had continued using his credentials.
The, had been responsible for maintaining several property records.
After his death, someone had continued using his credentials.
The investigators eventually found three transfers.
One for $180,000.
Another for $265,000.
And a third for $410, investigators eventually found three transfers.
One for $180,000.
Another for $265,000.
And a third for $410,000.
The total exceeded eight hundred thousand dollars.
All three had passed through companies connected to Daniel and Gregory Mills.
But000.
The total exceeded eight hundred thousand dollars.
All three had passed through companies connected to Daniel and Gregory Mills.
But one account remained unexplained.
It had received the money and then disappeared from the active financial records.
Rebecca placed the transaction history one account remained unexplained.
It had received the money and then disappeared from the active financial records.
Rebecca placed the transaction history on her desk.
“Marcus, we need to find the account holder.””
“Can the bank identify them?””
“With a proper on her desk.
“Marcus, we need to find the account holder.””
“Can the bank identify them?””
“With a proper investigation, yes. But there's another problem.””
She pointed to the final transfer.
“Someone recently investigation, yes. But there's another problem.””
She pointed to the final transfer.
“Someone recently attempted to move the remaining balance.””
“When?””
“Yesterday.””
I stared at the date.
“Who authorized it?””
“An attempted to move the remaining balance.””
“When?””
“Yesterday.””
I stared at the date.
“Who authorized it?””
“An electronic request was submitted using a signature that appears to belong to Rachel.””
I felt sick.
“Rachel has been dead for six years.””
“I know.””
I looked electronic request was submitted using a signature that appears to belong to Rachel.””
I felt sick.
“Rachel has been dead for six years.””
“I know.””
I looked at the document.
The signature was nearly perfect.
But there was something different about the letter R.
I remembered Rachel's handwriting.
She always made the final stroke longer, cur at the document.
The signature was nearly perfect.
But there was something different about the letter R.
I remembered Rachel's handwriting.
She always made the final stroke longer, curving it beneath the next letter.
This signature didn't.
“It's a forgery,” I said.
Rebecca noddedving it beneath the next letter.
This signature didn't.
“It's a forgery,” I said.
Rebecca nodded.
“That's what the preliminary examination suggests.””
I leaned forward.
“Who submitted it?””
She turned the.
“That's what the preliminary examination suggests.””
I leaned forward.
“Who submitted it?””
She turned the page.
“Gregory Mills's office.””
I stood.
“Then he's involved.””
“Almost certainly. But we need to establish who gave him the instructions.””
My phone rang.
It was Evelyn page.
“Gregory Mills's office.””
I stood.
“Then he's involved.””
“Almost certainly. But we need to establish who gave him the instructions.””
My phone rang.
It was Evelyn.
“Marcus, I found something in Rachel's original estate records.””
“What?””
“There's a beneficiary declaration that was never filed.””
I.
“Marcus, I found something in Rachel's original estate records.””
“What?””
“There's a beneficiary declaration that was never filed.””
I sat down.
“What does it say?””
“Rachel named Nia as the sole beneficiary of the Blue House and all assets connected to it. But sat down.
“What does it say?””
“Rachel named Nia as the sole beneficiary of the Blue House and all assets connected to it. But she also included a separate instruction concerning the remaining investment accounts.””
“What instruction?””
“She she also included a separate instruction concerning the remaining investment accounts.””
“What instruction?””
“She wanted the accounts frozen if any unauthorized transfer occurred after her death.””
I frowned.
“Then why weren't they frozen?””
Evelyn sighed.
wanted the accounts frozen if any unauthorized transfer occurred after her death.””
I frowned.
“Then why weren't they frozen?””
Evelyn sighed.
“Because someone submitted a death certificate amendment claiming that Rachel had changed her instructions shortly before the accident.””
I felt my jaw tighten.
“Because someone submitted a death certificate amendment claiming that Rachel had changed her instructions shortly before the accident.””
I felt my jaw tighten.
“That's impossible.””
“I agree. But the amendment was accepted by the financial institution.””
“Who submitted it?””
Evelyn was quiet.
Then she answered.
“Daniel.””
I closed my eyes.
Another betrayal.
Another piece of the truth.
“Evelyn, send everything“That's impossible.””
“I agree. But the amendment was accepted by the financial institution.””
“Who submitted it?””
Evelyn was quiet.
Then she answered.
“Daniel.””
I closed my eyes.
Another betrayal.
Another piece of the truth.
“Evelyn, send everything to Rebecca.””
“I will.””
Before ending the call, she added:
“There's something else. Rachel left a second sealed letter for Nia. It was supposed to Rebecca.””
“I will.””
Before ending the call, she added:
“There's something else. Rachel left a second sealed letter for Nia. It was supposed to be opened on her thirteenth birthday.””
I glanced at the calendar.
“Eleven days.””
“Yes. But the letter includes an instruction that allows it to be opened earlier if Nia's inheritance is threatened.””
“Where is it?””
“In my office safe to be opened on her thirteenth birthday.””
I glanced at the calendar.
“Eleven days.””
“Yes. But the letter includes an instruction that allows it to be opened earlier if Nia's inheritance is threatened.””
“Where is it?””
“In my office safe.””
“I'll come tomorrow.””
That evening, I returned home to find Ava sitting on the living room floor.
She.””
“I'll come tomorrow.””
That evening, I returned home to find Ava sitting on the living room floor.
She was drawing with colored pencils.
Nia sat beside her, helping her choose colors.
For a moment, I simply watched them.
Ava looked up.
“Dad!””
She had was drawing with colored pencils.
Nia sat beside her, helping her choose colors.
For a moment, I simply watched them.
Ava looked up.
“Dad!””
She had started calling me that when she was three.
I had never corrected her.
I sat on the carpet.
“What are you drawing?””
“Our family.””
She started calling me that when she was three.
I had never corrected her.
I sat on the carpet.
“What are you drawing?””
“Our family.””
She showed me the picture.
There were four figures.
Me.
Ava.
Nia.
And a woman with long brown hair standing in the sky.
I swallowed showed me the picture.
There were four figures.
Me.
Ava.
Nia.
And a woman with long brown hair standing in the sky.
I swallowed.
“Is that Rachel?””
Ava nodded.
“Nia said her mom would want us to be nice to each other.””
Nia looked embarrassed.
“I just told her Mom liked kindness.””
I smiled.
“Your.
“Is that Rachel?””
Ava nodded.
“Nia said her mom would want us to be nice to each other.””
Nia looked embarrassed.
“I just told her Mom liked kindness.””
I smiled.
“Your mom did.””
Ava put down her pencil.
“Is Mommy coming back?””
I looked at her.
“Your mom did.””
Ava put down her pencil.
“Is Mommy coming back?””
I looked at her.
“Your mother needs some time to work through some things.””
“Is she in trouble?””
I took a breath.
“Adults have to take mother needs some time to work through some things.””
“Is she in trouble?””
I took a breath.
“Adults have to take responsibility when they make mistakes.””
Ava looked at Nia.
“Did Mommy make you sad?””
Nia hes responsibility when they make mistakes.””
Ava looked at Nia.
“Did Mommy make you sad?””
Nia hesitated.
Then she answered honestly.
“Yes.””
Ava's eyes filled.
“I'm sorry.””
Nia moved closer.
“You didn't do anything wrong.””
The two girls hugged.
I looked away for a moment.
Whateveritated.
Then she answered honestly.
“Yes.””
Ava's eyes filled.
“I'm sorry.””
Nia moved closer.
“You didn't do anything wrong.””
The two girls hugged.
I looked away for a moment.
Whatever happened next, I knew I needed to protect both children from the consequences of decisions they hadn't made.
happened next, I knew I needed to protect both children from the consequences of decisions they hadn't made.
The following morning, Evelyn handed me a sealed envelope.
It was addressed to Nia.
The handwriting was unmistakably Rachel's.
Evelyn placed itThe following morning, Evelyn handed me a sealed envelope.
It was addressed to Nia.
The handwriting was unmistakably Rachel's.
Evelyn placed it on the desk.
“Rachel was very clear. She wanted Nia to receive this when she was old enough to understand what had on the desk.
“Rachel was very clear. She wanted Nia to receive this when she was old enough to understand what had happened.””
I looked at the envelope.
“Can I read it?””
“You may, but Rachel requested that you read it with N happened.””
I looked at the envelope.
“Can I read it?””
“You may, but Rachel requested that you read it with Nia.””
I nodded.
We returned home that afternoon.
Nia sat beside me at the kitchen table.
I placed the envelope between us.
“Your mother left this for you.””
Nia.””
I nodded.
We returned home that afternoon.
Nia sat beside me at the kitchen table.
I placed the envelope between us.
“Your mother left this for you.””
Nia's eyes widened.
“For my birthday?””
“Yes. But she also gave permission for us to open it now.””
Nia carefully brokeia's eyes widened.
“For my birthday?””
“Yes. But she also gave permission for us to open it now.””
Nia carefully broke the seal.
Inside was a letter and a small silver key.
The letter began:
My beautiful Nia,
*If Daddy is reading this with the seal.
Inside was a letter and a small silver key.
The letter began:
My beautiful Nia,
If Daddy is reading this with you, then something happened that I hoped would never happen.
First, I want you to know that you were never responsible for the unh you, then something happened that I hoped would never happen.
First, I want you to know that you were never responsible for the unhappiness of adults.
You were never too loud, too difficult, too sensitive, or too much.
You were my greatestappiness of adults.
You were never too loud, too difficult, too sensitive, or too much.
You were my greatest happiness.
Nia began crying.
I wrapped an arm around her.
We continued reading.
I created a trust to protect your future, happiness.
Nia began crying.
I wrapped an arm around her.
We continued reading.
I created a trust to protect your future, but I also made a mistake. I believed that keeping everything quiet would protect our family.
I should have told your father more but I also made a mistake. I believed that keeping everything quiet would protect our family.
I should have told your father more.
The silver key opens the bottom drawer of the desk in the Blue House. Inside is the final document proving who arranged the original transfers.
I.*
The silver key opens the bottom drawer of the desk in the Blue House. Inside is the final document proving who arranged the original transfers.
I looked at the key.
Then I remembered the wooden desk.
We had opened the box but hadn't looked at the key.
Then I remembered the wooden desk.
We had opened the box but hadn't checked the locked drawer beneath it.
Rachel continued:
*There is one name your father must see before he decides whom checked the locked drawer beneath it.
Rachel continued:
There is one name your father must see before he decides whom to trust.
The person responsible is not the person who signed the papers.
It is the person who made sure the papers existed to trust.
The person responsible is not the person who signed the papers.
It is the person who made sure the papers existed.
Nia looked up.
“Who does Mom mean?””
“I don't know yet, sweetheart.””
We drove to the Blue House that afternoon with.*
Nia looked up.
“Who does Mom mean?””
“I don't know yet, sweetheart.””
We drove to the Blue House that afternoon with Rebecca and Evelyn.
The key fit the small lock beneath the desk.
Inside was a sealed plastic folder.
There were copies of bank Rebecca and Evelyn.
The key fit the small lock beneath the desk.
Inside was a sealed plastic folder.
There were copies of bank instructions, a photograph, and a handwritten statement.
The photograph showed Gregory Mills standing beside Vanessa and Daniel.
But the date printed on instructions, a photograph, and a handwritten statement.
The photograph showed Gregory Mills standing beside Vanessa and Daniel.
But the date printed on the back was surprising.
It was taken almost a year before Vanessa and I met.
The three of them were standing outside a bank.
Rebecca examined the papers the back was surprising.
It was taken almost a year before Vanessa and I met.
The three of them were standing outside a bank.
Rebecca examined the papers.
“Marcus, look at this.””
It was an original instruction letter.
It authorized the transfer of Rachel's investment funds into an.
“Marcus, look at this.””
It was an original instruction letter.
It authorized the transfer of Rachel's investment funds into an account controlled by a company called Northbridge Holdings.
The signature belonged to Peter Harrison.
But the date was six months after Peter's death.
At account controlled by a company called Northbridge Holdings.
The signature belonged to Peter Harrison.
But the date was six months after Peter's death.
At the bottom was a second signature.
A witness.
*Gregory Mills.*
Rebecca looked at the photograph again.
“Gregory wasn't the bottom was a second signature.
A witness.
*Gregory Mills.*
Rebecca looked at the photograph again.
“Gregory wasn't just helping Vanessa. He was part of the arrangement from the beginning.””
I picked up Rachel's handwritten statement.
It contained one final paragraph.
*I discovered that the original plan was created by someone inside our family. Vanessa just helping Vanessa. He was part of the arrangement from the beginning.””
I picked up Rachel's handwritten statement.
It contained one final paragraph.
I discovered that the original plan was created by someone inside our family. Vanessa was recruited afterward to gain access to Marcus and Nia. The person who designed the arrangement is the only was recruited afterward to gain access to Marcus and Nia. The person who designed the arrangement is the only one who can explain why Peter's name was used.
I looked at the photograph.
Daniel.
Vanessa.
Gregory.
Then I noticed a fourth person reflected in the bank's glass entrance.
one who can explain why Peter's name was used.*
I looked at the photograph.
Daniel.
Vanessa.
Gregory.
Then I noticed a fourth person reflected in the bank's glass entrance.
A man standing behind them.
His face was partially visible.
I recognized him immediately.
My father.
He had died when I was twenty-sixA man standing behind them.
His face was partially visible.
I recognized him immediately.
My father.
He had died when I was twenty-six.
I stared at the photograph.
Rebecca took it from me.
“Marcus, are you certain?””
I nodded.
“That is my father.””
E.
I stared at the photograph.
Rebecca took it from me.
“Marcus, are you certain?””
I nodded.
“That is my father.””
Evelyn looked shocked.
“But Rachel never mentioned him.””
I turned over the photograph.
There was a handwritten note.
velyn looked shocked.
“But Rachel never mentioned him.””
I turned over the photograph.
There was a handwritten note.
The first account was opened before Marcus was born.
I felt the room tilt.
My father had been dead for more than a decade before Rachel'sThe first account was opened before Marcus was born.
I felt the room tilt.
My father had been dead for more than a decade before Rachel's accident.
How could he have been involved?
Then I noticed a document tucked beneath the photograph.
It was a company registration record.
The original accident.
How could he have been involved?
Then I noticed a document tucked beneath the photograph.
It was a company registration record.
The original director of Northbridge Holdings was listed as:
*Robert Reed.*
My father.
And the current director of Northbridge Holdings was listed as:
*Robert Reed.*
My father.
And the current controlling director was:
*Marcus Reed.*
I stared at my own name.
I had never heard of Northbridge Holdings controlling director was:
*Marcus Reed.*
I stared at my own name.
I had never heard of Northbridge Holdings.
Rebecca immediately checked the registration number.
“Marcus, someone has been using your identity.””
My phone rang.
Rebecca immediately checked the registration number.
“Marcus, someone has been using your identity.””
My phone rang.
An unknown number.
I answered.
A man's voice spoke quietly.
“Mr. Reed, my name is Thomas Bell. I'm a former accountant.
An unknown number.
I answered.
A man's voice spoke quietly.
“Mr. Reed, my name is Thomas Bell. I'm a former accountant for Northbridge Holdings.””
“Why are you calling me?””
“Because I've been watching what's happening for Northbridge Holdings.””
“Why are you calling me?””
“Because I've been watching what's happening with your family.””
I looked at Rebecca.
“What do you know?””
The man paused.
“Your father established with your family.””
I looked at Rebecca.
“What do you know?””
The man paused.
“Your father established the company to protect a property portfolio. After his death, the records were transferred to a the company to protect a property portfolio. After his death, the records were transferred to a new administrator.””
“Who?””
“Daniel Reed.””
My blood ran cold.
Thomas continued.
“But Daniel wasn't the person new administrator.””
“Who?””
“Daniel Reed.””
My blood ran cold.
Thomas continued.
“But Daniel wasn't the person making the decisions.””
“Who was?””
The answer came slowly.
“Your father left a private instruction naming making the decisions.””
“Who was?””
The answer came slowly.
“Your father left a private instruction naming the person who would eventually control everything.””
I gripped the phone.
“Who?””
May you like
Thomas whispered:
“Your wife, Vanessa.””