While managing his late father’s estate, Finn Conrad grows curious about the reason behind a $50,000 bequest to a nurse his father had known for only a short period before passing away. As Christmas approaches, Finn is determined to retrieve what he believes is rightfully his family’s money. He decides to go undercover to investigate the bed and breakfast that the nurse, Willa, has recently acquired. Upon meeting her, Finn realizes that Willa is far from the scheming opportunist he imagined; instead, she is a woman who genuinely needed the money and used it wisely. However, once Willa learns about Finn’s true identity, will it shatter her trust in him forever?