When Lexi Burke escaped the remnants of a cold winter in Chicago for the beaches of Kauai, it wasn't a random vacation. She left the hectic pace of Burke Enterprises behind with enough money to retire at age thirty-two, intent on settling into the idyllic existence of island life ... until she met local photographer Derek Mitchell-a talented man with a grudge against rich tourists.

From art night to snorkeling lessons, hiking, and chopping coconuts, Lexi can't talk herself out of spending time with the handsome, hardworking man who knows the value of every dollar. She also can't find a way to tell him the truth about herself. But then Derek is selected to help in a benefit at a masquerade ball as one of the eligible bachelors up for auction. Lexi must decide whether to wear a mask or unveil her true self and risk losing Derek's trust and a chance at love.