I was tinkering with the photo below after some inspiration and teaching from Jimmy McIntyre. The reflection is very much crafted and manipulated from the original skyline and flipped upside down. Then some blurring is applied and blended into the water. This was achieved in Pixelmator, not Photoshop. Pixelmator is quite a competent editor and possesses many Photoshop equivalents  for such a bargain price.