Holland Lake in Montana

I think your composition is well balanced, and you certainly got your reflection. However, for my eyes, the overall image lacks impact. It could be your choice of time of day when you captured this. The far area, i.e., the peninsula jetting out, plus the background mountains seems to be where the eyes want to rest, and those areas could benefit from more dramatic lighting and processing.
Technically speaking, the foreground branches and bank are out of focus, which, IMO, is taboo for this kind of shot. I feel that images such as yours need to have full DOF. I'm going on a limb to guess that you probably focused on the far area, while using an aperture too big to pull in the focus on the near subject matter. Using a smaller aperture would help here, but oftentimes, even that cannot provide enough DOF. This might be where you need to shoot two separate shots, one focused at infinity, and a second focused nearer. This, of course, would require you to blend them together in your post processing software.
Secondly, the sky is suffering from way too much exposure, more so as your eyes move to the right side. I'm seeing color fringing on the mountain edges, so I am presuming here again, that your exposure was biased to the middle areas, which have good exposure, but in return, has left you with a really, really bright sky. You could have shortened your exposure, thus underexposing the image more, which would have brought the sky more into better exposure, but would have darkened the foreground more. I believe this would have actually been preferable, plus, more detail could have been opened in the darker areas, had you underexposed here a little.
And, as to the reflection that you sought, I just don't think it's very attractive. The water is too shallow, and thus shows all the debris lying at the bottom of the lake. I feel the reflection would be improved if it were in deeper, calmer water.
Good luck with further shooting. Hope my thoughts help.

Michael has given you an excellent critique on this as well as some great suggestions for improving. Try shooting at the optimum hours of sunrise/sunset for better light. This is a pleasant scene and well worth shooting again if it is near enough.

I agree with Michael here. The shot has great potential in the right light. I think exposing for the bright light in the upper right would have yielded better results. It is overexposed as is . Montana is such beautiful place I'm sure you will get many more opportunities for great shots.

Lots to like in that comp Linda, but I'd love to see it shot with golden light.

Hi Linda, welcome to NPN. This is a nice scene where it seems like you've tried a "classic" approach with the framing branches on the left and the combination of view through the water and reflections to add interest to the foreground. I think the framing branches cover too much of the photo (but that's a personal opinion and making such decisions is what allows you to develop your own style as a photographer). I do like the leading line that the reflection coming in from the lower left corner (llc) provides. I also like the change of pace that the reflection provides in the foreground and the interest that seeing through the reflection provides. Michael has pointed out a number of other improvements. I also think this is somewhat overexposed and that reducing the brightness across the sky and especially on the right and in the cloud would help. Especially in a scene like this where the details are important, including a larger view usually provides a better look.