A Simple Twist of Fate (1994)

When Michael McCann is thrown over by the woman he loves, he becomes something of a misanthrope and a miser, spending all of his spare money on collectible gold coins. Living in the same town is an affluent family with two sons: John and Tanny. Tanny's a wild boy, whom John cannot control, and one night he breaks into McCann's house, and steals the gold and disappears, which nearly confirms McCann's distrust of mankind. But then, a mysterious young woman dies in the snow outside McCann's house, and her small daughter makes her way to McCann's house and into McCann's life and heart.