Ben "Finn" Finnegan is an affable, modern-day treasure hunter who is obsessed with finding the legendary 18th century Queenís Dowry-40 chests of priceless treasure that was lost at sea in 1715.
In his quest, Finn has sunk everything he has, including his marriage to Tess. Just as Tess has begun to rebuild her life, working aboard a mega-yacht owned by billionaire Nigel Honeycutt, Finn discovers a vital clue to the treasureís whereabouts. Much to Tessí consternation, Finn maneuvers himself aboard Nigelís yacht and, using his roguish charm, convinces the tycoon and his celebutante daughter, Gemma, to join him in the pursuit of the Spanish riches. Even Tess canít resist the lure of finally uncovering the treasure that had eluded them for so long. But they are not the only ones after the prize. Finnís one-time mentor, Moe Fitch, and a ruthless local gangster are intent on beating Finn to the trove.