When Audrey Magill stumbles onto a portrait of a 19th-century riverboat captain, she thinks it'll be perfect for her new hat shop. She doesn't expect to meet a ghost who insists Audrey must help save the soul of his great-great-however-many-greats grandson. Now in addition to scrambling to open her shop in time for the Kentucky Derby, she must convince a complete stranger that he's in danger of losing his soul - and that everlasting love does exist.