Orignial stock photo of model (istockphoto)

Step 1.
Adjusted levels / hue / saturation. Then applied custom displacement map to whole image and masked back areas of focus (i.e face, some hair / neck / chest etc)

Step 2.
Duplicated layer and mask. Adjusted hue of duplicate layer, then applied a second custom displacement map to the new layer

Step 3.
Added texture and particles to the image

Step 4.
Added brush stroke textures to the image, while masking off areas to keep focus on parts of the model

Final Step.
Added colour overlays to the whole image and then a black to transparent gradient to add depth.