Begin by slicing your everything bagel in half and toasting it until golden brown, approximately 3 to 4 minutes.

Spread a generous dollop of chive and onion cream cheese evenly across the cut sides of the toasted bagel.

Layer crispy bacon slices on one half of the bagel, followed by crunchy romaine lettuce and thick slices of tomato. Season with kosher salt and freshly ground black pepper.

Transfer the layered filling to a cutting board and chop the ingredients together lightly, keeping them chunky.

Dice a ripe avocado and add it to the chopped mixture, integrating it without over-mashing.

Gather the filling and place it on the bottom half of the toasted bagel, spreading it out evenly.

Place the top half of the bagel over the filled bottom half and gently press down. Slice if desired and serve immediately.