I'd probably say more along the lines of 3 1/2 stars.
Its a good story, but maybe a tad too long? I think this is what readers will struggle with.
I cannot fault the characters being brought to life, Kimberly does that extremely well. Morgan's character frustrated me a few times by the amount of times she was crying. For someone who seemed so strong this began to irk me a little that she always ended up crying. Sean's character was dream worthy as was all the body guards I really enjoyed the banter with Stewie, Anthony and Nathan.
All in all this is a good, fun story and a lovely romance.