Anna Aspnes Designs:
FotoInspired Template Pack No 2D - http://www.oscraps.com/shop/product.php?productid=44493&cat=383&page=1
ArtsyKardz Ocean Cove - http://www.oscraps.com/shop/product.php?productid=43904&page=1
4x6 ArtsyKardz Ocean Cove - http://www.oscraps.com/shop/product.php?productid=43903&page=1
6x6 ArtsyKardz Ocean Cove - http://www.oscraps.com/shop/product.php?productid=43902&page=1
ArtPlay Palette Ocean Cove - http://www.oscraps.com/shop/product.php?productid=43872&page=1
Ocean Cove WordART No.1 - http://www.oscraps.com/shop/product.php?productid=43871&page=1
ArtPlay Palette Sea Life - http://www.oscraps.com/shop/product.php?productid=44332&cat=383&page=1
SeaSprinklez No. 1 - http://www.oscraps.com/shop/product.php?productid=44330&cat=383&page=1

Process:
Started with FotoInspired Templates
Placed ArtPlay Ocean Cove Papers as Backgrounds
Clipped my photos to the clipping masks
Clipped ArtsyKardz to the remaining empty clipping masks
Placed Transfers
Finished with brushes, elements & wordart