The Boatniks

A polite but remarkably clumsy young Ensign who inherits command of the cutter Point Maley. His initial missteps on crowded waterways reveal a flawed start, but his earnestness and steady growth drive the narrative. Over the course of the film, Tom earns respect through decisive actions and a notable heartfelt connection with Kate.

Manager of a local boat rental and sailing school, practical and resourceful, she quickly spots suspicious behavior around the jewel thieves. She becomes a central ally for Tom, balancing professional grit with growing affection for him. Kate's mix of business sense and courage helps coordinate efforts to outwit the criminals.

A World War II veteran and seasoned Coast Guard commander who values duty and discipline. He initially underestimates Tom but respects him after witnessing his dedication and teamwork. Taylor's leadership anchors the crew as they pursue the jewel thieves and maintain order on the busy waterways.

Ringleader of the jewel thieves, posing as a yacht club commodore and orchestrating the scheme. He relies on deception, clever plans, and the threat of white-collar crime to pressure others. Simmons is the scheming force that tests Tom and Kate's resolve to bring the operation to justice.

One of Simmons' two associates; a schemer who contributes to the plan but becomes entangled with Kate and Tom as the net closes in. He embodies the greed and carelessness that ultimately lead to their capture.

A sidekick in the jewel-heist group who shares in the duo's misadventures. His lack of sailing skill and willingness to go along with Simmons' plan create comic tension while heightening the danger faced by the protagonists.

A professional pearl diver hired to recover the stolen jewels, who initially seems to speak little English before delivering the goods and demanding the agreed fee in fluent English. Her expertise is crucial to resolving the case, though her temperament hints at the mercenary edge of the caper.