A recently orphaned millionairess, Olivia, really hates her scheming step-father. Olivia finds love with a young yacht racing captain, Tim, who isn't completely truthful with her. When the two run into a problem the local cop, who happens to be an old friend of Olivia's, seems to be turning a blind eye to incriminating evidence.
- Olivia (Meg Tilly) a wealthy heiress is vulnerable mourning over her mother's recent death. A handsome talented yacht captain (Rob Lowe), seemingly uninterested in her money, sweeps her off her feet and she thinks it could be true love. A conspiracy is revealed that is devised to rob Olivia of both her fortune and her life.