Madeline Viscolli finds herself on the Gulf shores of Alabama, where she takes part in a graduate program to earn her MBA. On her first day there, she meets Joe Westcott, team leader for a campus ministry. Despite a mutual attraction, Joe's personal rule of no romance with any student keeps any kind of deep relationship from developing.

Joe has no desire to have a relationship with anyone, ever, anyway. He left a life of luxury and his family's business behind to live alone on a sailboat and serve in ministry. Then Madeline walks into the auditorium the week school starts and Joe suspects his personal rules might not apply to this graduate student.

That is, until he discovers Madeline is one of the Viscollis, and that her destiny lay in running her father's massive corporation. Having rejected wealth and all its trappings since childhood, Joe finds himself falling for the vivacious sapphire-eyed beauty. Madeline knows she loves Joe, but is not willing to throw away her destiny of taking over at the helm of Viscolli Enterprises.

A Christmas Eve funeral washes all Joe's plans away. Will their love succumb to the rising tide caused by their differences in lifestyles, or will raging seas calm and allow them to sail off into the sunset?