When charter-boat skipper Jack O`Conner uncovers a clue to sunken pirate treasure, he sees it as the answer to his financial worries. All he needs now are the remaining clues held by Portia Pennington and Sandy Sequoia-two young women with as much at stake as he has. The three must learn to work together to sail their schooner through a hundred-year storm, in defiance of the pirate`s curse, and recover his gold doubloons-a breeze compared to learning to trust each other and open up to love.