Once a top-producing real estate agent with a successful business and a beautiful home, Kris Mitchell is a victim of the economic downturn. She has lost her home to foreclosure, and her long-time boyfriend has married someone else. Just when she has almost given up hope for a better future, an opportunity presents itself for her to become a Level 1 Planner for a newly created federal agency that will implement the Retire America Act..

After persuading her own aging parents to sign over all of their assets, Kris learns that the government’s plan to confiscate the wealth and property of America’s retirees in exchange for lifelong care in the Smart Seniors community has some serious downsides. As she relinquishes more and more personal freedom to hold onto her job, she discovers what it means to trade liberty for a steady government paycheck.