Forty-four year-old Colonel Rich Martino returns from overseas to find his wife has cleaned out their bank accounts, filed for divorce, and left town with another man. Rich has never met Dr. Charlotte Phillips, who claims to be his father's legal guardian. He is determined to learn what has happened, gain control of his father's affairs, and unmask Charlotte as the schemer he suspects her to be.

Counseling psychologist Charlotte Phillips is dedicated to managing a client's affairs until he recovers from his stroke. She finds her patient's son attractive, but dismisses any thought of romance with this charming atheist.