What do a physical therapist and a high-end jewel thief have in common? The same bullet. Two break-ins, a botched jewel heist, and a murder set the stage for a complex set of events that put both the thief and the physical therapist at the wrong end of a rifle.

Third Time's the Charm is a fast-moving murder mystery full of twists and turns. A home invasion results in the murder of a childhood friend of Melinda Stark's son. The perky physical therapist immediately inserts herself into the investigation to help solve it, unknowingly becoming a pawn in a game she has no idea she's been drafted into.

Melinda's newest patient, Dominic Gallo has been hired by a billionaire bad guy to steal two priceless Egyptian charms. He misses the handoff and hides the charms in his sister's gift shop while he figures out his next move. The charms are inadvertently sold by his sister's assistant. The cash receipt yields only an illegible name. With no other option, he begins breaking into homes of people whose names look similar to the one on the receipt. The third name on his list is Melinda Stark.

While Melinda pursues the murder investigation of her son's friend, Dominic tries to find out if she has the charms. The twists and turns continue to pile up as Gallo and his wife end up becoming friends with Melinda and her homicide detective boyfriend. Dominic's client goes completely off the rails and threatens to end of the lives of both Melinda and Dominic if the charms are not returned to him immediately.

The nail-biting ending comes when the murderer, the charms, and Melinda's relationship to Dominic's client are revealed, leading to an explosive showdown that no one sees coming.