Create a minimalist t-shirt design in a 2D flat design style

Create a minimalist t-shirt design in a 2D flat design style. The design should feature a wooden sign with the following California beach names listed vertically, one below the other: Santa Monica Beach, Venice Beach, Malibu Beach, Laguna Beach, Huntington Beach. Include an image of a surfer riding a wave in a flat design style in the background. Use a navy blue color palette for the sign and the background of the waves, beige or cream for the wooden sign, white for the text and the surfer silhouette, and light gray for subtle details. The typography should be Helvetica, clean and modern.