After Adam McCarthy loses his company, he decides to leave New York behind and return to Gansett Island. Now he can focus on the truly important things, like his family and friends. On the ferry, he meets Abby Callahan and feels an immediate attraction to her. After two failed relationships, she is determined to turn her life around. No more of the old, good Abby; her new self wants to have fun without any regrets. Adam doesn't want to just stand by and takes on the role of her protector. His motto: if there's going to be sex, it should only be with him. Just as the two realize that their casual summer romance could become something more, he gets the chance to win back his company. But to do that, he would have to go back to New York...