At 28, Lily Anderson, a pretty, self-assured career woman living in Fort Wayne, Indiana, is facing problems in the law firm where she's the manager. She's also sick of living so far from her only sister. She wants a better work environment, warmer weather, and marriage before she turns 30. During Christmas vacation at her sister's house on Marco Island, Florida, she impulsively decides to change everything in her life. Moving to Florida and finding a better job turns out to be easier than choosing the right husband from among the three eligible men who want her: Jack Moon, her long-time boyfriend; Tom Lawton, an ambitious detective she meets on the flight to Florida; and Dr. Bruce Blackburn, a rich, widowed surgeon who is also her brother-in-law's medical partner and old friend. All three love her, but which one can she trust? Accidentally discovering the truth about one of the men, misled by gossip about another, and kept in the dark about the past of the third, Lily finally makes her choice. Not until she takes a fateful midnight cruise on a cigarette boat named Face Off does she learn the truth about the men in her life -- and her own heart.