Olivia Hamilton loves everything about New York—her local coffee shop, the walk to work, the skyscrapers. As a young, single CPA working on audits, life is exciting—and longing for her Texas cowboy-boot history fades day by day.

Fred Wharton, III, has spent his entire life in Riston, Idaho, working in his family's business—the Bank of Riston. Going back generations, his bonds run deep with the owners of River's End Ranch, the Westons. As the keeper of secrets, the return of the parents to the ranch have put him in a pickle. When the Westons need an audit in a hurry and it's shrouded in secrecy, he sends up an SOS and Olivia comes to the rescue, both professionally and personally. But will his secrets with Mr. and Mrs. Weston keep him from a path to love and a future of his own?