Small-town Julia loses the peaceful Nebraska life she loves when her elderly next-door neighbor, a secret multimillionaire, dies and leaves his fortune to her family.
She is moved into his historic New York City brownstone and enrolled at an elite private school for the super-rich, where she stands out for all the wrong reasons and starts failing.
The handsome, mysterious tutor brought in to steady her grades is Damion, a rebellious rich boy she is not sure she should trust.
Damion is actually the great-nephew of the man who left them everything, and he cannot believe someone who was like a father to him would give that home to strangers.
He plots to earn Julia's confidence and prove his suspicion, but time with her turns the plan against him as they fall for each other and the trust he built is put at risk.
