After an embarrassing accusation ruined his teaching career in Boston, Ned Kelly fled to Florida and took a job as a lifeguard and part time caretaker of a posh Palm Beach mansion. One afternoon on the beach, he meets a beautiful woman, Tess, who he instantly connects with.
They meet for lunch and have a wonderful afternoon but soon he has to leave her. Ned’s cousin and a few good friends have an easy score and Ned is in. All he has to do is trip a few house alarms with some minor vandalism. Hoping to keep Tess as pampered as she deserved something goes terribly wrong and soon enough it’s clear that Ned’s life is in danger from more than one source.