Slice the everything bagel in half and toast at medium heat for about 3 minutes until golden brown.

Spread a generous layer of chive and onion cream cheese on the bottom half of the toasted bagel.

Layer crispy bacon, romaine lettuce, and tomato slices on top of the cream cheese. Add kosher salt and black pepper.

Chop the layered ingredients into larger chunks, aiming for a chunky consistency.

Add diced avocado to the chopped mixture, gently mixing to avoid turning it into a puree.

Assemble by heaping the mixture on the bottom half of the bagel, then place the top half gently on top.

Serve immediately to retain freshness and flavors, slicing in half for smaller bites if desired.