London 1850: After being abandoned as a child at age seven, John Wolcott grows up hardened by life's challenges. He applies his considerable talent and becomes a shipping tycoon feared alike by the business world and pirates on the high seas. He chooses a wife who will further elevate him into England's financial elite. He has a daughter Louisa and arranges to marry her off to another tycoon who owns a railroad-car empire an empire that Wolcott has longed to control. His well thought out plans to secure the company is set to take place on his daughter's wedding day. However, Louisa discovers what her father is up to and she and her mother hatched a counter-plot. Wolcott is in for a reckoning with his soul that would do justice to Charles Dickens' Christmas Carol, without the ghosts.