A lonely billionaire. A broke, big-hearted retail associate. Unexpected consequences.

Anna Sharpe has suffered too much loss. In spite of that, she's still hopeful and believes in Christmas miracles. Her retail job has been a second home even though she could, and should, make more money somewhere else. The holiday season at Montgomery's Department Store is fun and she's looking forward to another year of joy at work.

Michael Montgomery has also suffered loss. As the sole owner of the legacy left to him by his father and grandfather, he feels pressure to grow his business. But things in his comfy corner corporate office aren't so rosy. Struggles from within and worries about profits make him realize he needs to make some changes. He hears he's out of touch. One snap decision should help him remedy that problem.

Going undercover, he poses as a new associate in his flagship store. Thinking he'll get insight into the business that will help him make better decisions, he's shocked at some of what he learns. But the biggest surprise of all is Anna Sharpe. He never saw her coming.