We Could Be Beautiful by Swan Huntley

Catherine has everything - good looks, good hair, the right friends, her own little shop and a sizeable trust fund coming her way. Everything a woman could want except love. When she meets William she thinks she finally will have it all until little hairline cracks begin to form. Her elderly mom flinches at his name and she has known William and his parents since he was a young man. Catherine's friends and sister aren't really keen on him either and then the bottom drops out of the trust fund that can only be saved by having a child. She glosses over all those little nagging questions until things happen even she can't ignore. Money can't buy you love and it really can't buy your trust.
The story starts out slow and easy but you will keep reading eagerly until the gripping end.