Most of my technique for this is using masks with the photos and using the "blend if" technique. In Photoshop it's Layer --> Layer Style --> Blending options and then on the bottom sliders I move them around until I like the blend.
I used the third word art "Lazy Summer Days" and Palvinka's BeachSide Collection.
I blended a photo of my granddaughter into the background and added the clusters, elements and the word art.