A sweet, naive young woman trying to make it on her own in New York City, Frances doesn't think twice about returning the handbag she finds on the subway to its rightful owner. That owner is an eccentric French piano teacher with a love for classical music and an aching loneliness. Having recently lost her mother, Frances quickly grows closer to the widowed Greta. The two become fast friends, but the older woman's maternal charms begin to dissolve...

An old woman, Christine Swinton, waits for Eric, her lost love, at her faded ranch near the shores of Whisper Island. About to be repossessed, the only hope for the ranch lies in a pair of unlikely teenagers and their search for fabled Civil War treasure. In a race against time, the teens must unravel a web of romance, intrigue and betrayal that could finally solve the mystery of Whisper Island and help Christine reunite with Eric.