Young Jeanne falls in love with photographer Francis, who soon takes her with him when he emigrates to America. In a small town in the still wild west, they build up a small photo shop. Meanwhile, animal doctor David lives on his lonesome farm together with his unlucky wife. It takes years and two tragic accidents until Jeanne and David meet. She has already decided to return to France as soon as possible, but love, and fate, have other plans.

It's Christmas Eve 1944 in the small town of Bedford Falls, New York. A despondent and suicidal Mary Bailey Hatch is praying for guidance on what to do about an incident no fault of her own which threatens her name and the community standing of her longtime family business, the Bailey Building and Loan, which she took over after the passing of her father. What Mary does not know is that most in town, including her husband George Hatch and their children, are also praying for her. All the prayers are heard by Joseph, God's gatekeeper of prayers. As there are no other angels available on such a busy day, Joseph assigns Clara Oddbody, angel second class (i.e. she has yet to receive her wings), to Mary's case, which he reluctantly does as Clara has never been assigned a case on her own in the two hundred years she's been in heaven for good reason.