A despot for decades, the old Pirate King’s heart is sad. His three boys seem a punishment for his life of plundering. They fight, they taunt, they just don’t get along. An idea, a final attempt to bring them together, brings him some solace in his old age. A man given to subterfuge all his life, he will hide his treasure and, giving each a part of the puzzle in a fractured coin, force them to get along if they want to find their inheritance. It’s a plan fitting a dying man who has spent his whole life playing with others.

The Pirate King’s sons, Captains Cally and Kelly, always got along, but their youngest brother, Captain Stubs, was a troublemaker from the day he first wet his boots. Now, years later, Kelly is lost as a castaway on a desert island, Cally pirates only half-heartedly and Stubs is a banshee after the fortune at any cost.

Two beautiful twin sisters, separated by a sea tragedy as babies, have wound up being raised by the old Pirate King’s two good sons, Cally and Kelly. Now at a stunning 16 years old, Franie has Cally’s camp in the palm of her hand. She’s become a girl pirate of the first order. But, marooned on a desert island all of her life, Franie's twin sister, Bonnie, has grown to be sensitive and romantic at the knee of Castaway Kelly. Animals are her companions as she longs for palace life in far away England. Life contrives to reunite the sisters and all kinds of danger finds the brothers and their kin. A real-life prince, a daring young pirate and a cantankerous Stubs find nothing but trouble as they lead the race to the treasure and an uncertain fate.