Pat,
What I notice about your reference photo is the wonderful reflected light intermingled with direct highlights that permeates the scene including the figures. IF you bring the same colors of the blue water and the warm ocher beach tones into the figures, especially into the reflected lights in the shadow areas, it will wed the figures into the background.
Figures in a landscape present a special challenge to make both a part of the same fabric. It requires a careful study of the shared color of the light- both direct and indirect.
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