What is this movie?

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Looking for a movie from the early 90’s that is flashback style where an aged surfer is telling some kind of epic story to younger surfers, he was in love with and marries a girl that becomes a high ranking policewoman. There’s a scene at the end where he leaves the water and she’s standing on the beach waiting for him. Cannot remember the actors names just that final scene. Thanks.

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You are sure it is a surfer? It was in english? Nothing else you can remember at all? Could it be newer than 95?