One can use WORD and then the free version of Cute PDF Writer to convert to a PDF.
http://www.cutepdf.com/
There instructions are as follows.
"To use CutePDF Writer, open the file that you would like to print to PDF. Select the Print option (usually found under File > Print), and select "CutePDF Writer" from the list of available printers (DO NOT select Print to File option) to print. You will be prompted to select the destination directory and filename for your output file."
Adobe PageMaker is also a nice program to layout text and graphics. However, it has a rather steep learning curve and has been replaced by InDesign CS5. This would be overkill for your application not to mention the price.
You can most likely try any program you are familiar with to create a test page with images and text. WORD works but is clunky. Some others have used Excel with success. And there are some online sites that will take your file upload and create the PDF.
Some other free choices.
http://www.primopdf.com/index.aspx
http://www.dopdf.com/
http://www.freepdfcreator.org/
Let us know what you found as your solution.