Surfing pro Frank Sparks has spent his life walking on water. A competition favorite, he's not in it for the money, or the rush; he's in it for love. The way he feels about the waves, his girlfriend, lifeguard Liz Jensen, feels about him. But a disastrous accident - that may be sabotage - radically alters both their lives, and unable to compete, Frank goes along with his step-brother Max's scheme to rob a jewelry store.
It's a charitable heist. The elderly owner wants a cache of diamonds stolen so he can collect the insurance money. He also wants a taste of Christine, ostensibly Max's lover. Completing the gang is Ruby, a woman with a heart not quite as big as her biceps. But family ties and the bonds of love tangle into double crosses that confound Frank - as he rips toward a constantly shifting shoreline on a wave that threatens to wipe him out.