While settling his father's estate, Finn Conrad becomes suspicious as to why the man left a nurse 50 thousand dollars. His dad knew her for less than two months before he died. 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.