Opened personal picture, reduced exposer, added dark dark blue color layer adjustment, blacked out sky with reg PS brush, freetransform to straighten shoreline, cropped.
step 2 of 3
Opened source
step 3 of 3
Opened Channels pallet, used brush with black, overlay, 45%, made selection, saved selection as Path, path saved as layer. Used brush w/ various colors and copy layer to lake file. Duplicated layer, transform rotate vertical, move down into water, reduced transperacy, Merged layers, used soft brush to Smudge water and reflection, and small brush white, overlay, 35% opacity on shoreline.