Anna Aspnes Designs:
ArtPlay Palette Ocean Cove - http://www.oscraps.com/shop/product.php?productid=43872&cat=383&page=1
ArtPlay Palette Ocean Cove Wordart - http://www.oscraps.com/shop/product.php?productid=43871&cat=383&page=1
SeaShells No. 1 - http://www.oscraps.com/shop/product.php?productid=43869&cat=383&page=1

Process:
I started with an Artsy Paper from APP Ocean Cove
Placed Transfer & Clipped my photo to the transfer
Used Eraser Brushes to Blend Photo
Placed Brushes, Transfers & Art Stroke
Finished with Elements & Wordart