Beach shore

I’m trying to create a beach shore with writing in the sand and the water just passing over some of the text. I’ve created the writing in the sand but I can’t find ANY tutorial after several hours of googling to help me with the water passing over the text. I’ve attached the sand writing. Can someone please help me out or point me to some tutorial on the net that I can learn from.

Thanks

P.S. I had to save it as a low quality jpeg because the psd was way too large.