Not an attempt to write an exhaustive step-by-step post; just a few observations in the hope that it might help. Reflections in water tends to be one of those things that people find tricky, so to begin with, remember that it's all just marks of paint on a flat surface! If it helps, don't even think in terms of object, water, reflection.
A reflection is best painted at the same time as the object that is casting the reflection and certainly in the very early stages, they can be painted almost as a single object. Remember that a reflection (even a very good one) will be more muted in its tonal range and brightness. A reflection must also follow the plane of the water; the more disturbed the water, the more disturbed the reflection. As with all painting, start with your biggest brush and end with your smallest. If it all goes horribly wrong, it's not the end of the world!
And finally, in the name of self promotion, I happen to have a picture in this week's Etsy voter!! So if you have a vote to cast and feel like giving it to me, here is the link - thank you! http://www.etsy.com/voter_list.php?ref=voter&room_id=63