It's July 1895 and the New York elite have decamped to Newport, Rhode Island for a summer of balls, garden parties, and yacht races. Covering these events for the women's pages of the Newport Observer is Emma Vanderbilt-Cross, a fearless twenty-one-year-old writer with family ties to the wealthy Vanderbilt family.

After the pharmacy in her small town is robbed, a girl who still lives at home with her parents takes matters into her own hands to solve the crime, while at the same time trying to get over her ex-boyfriend and become more of an adult.