Everything is going right for lifeguard Ned Kelley. He is involved with Tess, the most beautiful woman he has ever seen and what's more, a million dollars is within touching distance; his share of the score for the robbery of some world-class art. All he has to do is trigger alarms to throw the cops off the scent. But when Tess is brutally murdered and the others involved in the robbery are massacred, Ned is the prime suspect. He has been set up.

Accompanying the Pike family during a two-week vacation to the Jersey Shore, baby-sitter Stacey falls head over heels for a handsome lifeguard despite Mary Anne's warning that he is too old for her.