Anna Aspnes:
Artsy Layered Template No. 109 - http://www.oscraps.com/shop/product.php?productid=44534&page=1
ArtPlay Palette Radiant - http://www.oscraps.com/shop/product.php?productid=46349
UrbanStitchez Hearts No. 1 - http://www.oscraps.com/shop/product.php?productid=46348
RuledLines No. 1 - http://www.oscraps.com/shop/product.php?productid=46340
Self WordART No. 1 - http://www.oscraps.com/shop/product.php?productid=46339
UrbanStitchez Arrows No. 1 - http://www.oscraps.com/shop/product.php?productid=46288&cat=383&page=1

Process:
Started with an Artsy Layered Template No. 109
Clipped my photo to the clipping masks
Clipped an APP Radiant Artsy Paper to the remaining clipping mask
Replaced several layers with an Artsy Paper from APP Radiant
Added UrbanStitchez Arrows and APP Radiant Elements
Finished by placing Radiant WordART, applied the soft light blending mode & duplicated