Finn is looking for a lost Spanish galleon in the Caribbean, and believes he has marked its location with his own sunken boat. He enlists the help of his ex-wife, Tess, who is intrigued until she finds he has no real proof of the Spanish ship's location. Fate has put the two together again, this time onboard the boat of multi-millionaire Nigel Honeycutt and his daughter, Gemma.