Ben Finnegan is obsessed with finding the remains of a Spanish galleon loaded with riches that he believes lies somewhere off the Florida coast. His dream cost him his marriage to Tess, but Finn is determined that one lucky break can restore all that he has lost. When a clue hits him out of the blue, he turns to wealthy yachter Nigel Honeycutt to help him find the loot. However, a ruthless treasure hunter is following them.