While settling his father's estate, Finn Conrad becomes suspicious as to why his dad left $50,000 to a nurse he knew for less than two months before he passed away. Just before Christmas, Finn wants to reclaim what he considers his family's money, going undercover to investigate the bed and breakfast the nurse has recently taken over. When Finn meets Willa, he discovers she's not a conniving gold digger at all, but a woman in need who put the money to good use. When she discovers his true identity, will Willa ever be able to trust him again?