Ben "Finn" Finnegan is a good-natured, surf bum-turned-treasure hunter who is obsessed with finding the legendary 18th century Queen's Dowry--40 chests of exotic treasure that was lost at sea in 1715. In his quest, Finn has sunk everything he has, including his marriage to Tess Finnegan and his more-rusty-than-trusty salvage boat, "Booty Calls." Just as Tess has begun to rebuild her life, working aboard a mega-yacht owned by billionaire Nigel Honeycutt, Finn discovers a vital clue to the treasure's whereabouts. Certain that his luck will change with the newfound information, Finn maneuvers himself aboard Nigel's yacht and, using his good-natured charm, convinces the tycoon and his Blackberry-wielding, celebutante daughter, Gemma, to join him in the pursuit of the Spanish treasure. Against Tess' better judgment, the search rekindles her love... of discovery. But they are not the only ones after the treasure. Finn's mentor-turned-nemesis Moe Fitch has also set out to claim the prize. Let the treasure hunt begin...