Preheat toaster or oven to medium heat. Slice the everything bagel in half and toast until golden brown and slightly crispy, about 3 minutes.

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

Layer the cooked, crisp bacon slices onto the cream cheese-covered bagel half.

Place two leaves of romaine lettuce atop the bacon, followed by a slice of juicy tomato.

Sprinkle kosher salt and freshly ground black pepper over the vegetables.

Carefully chop the layered filling into a chunky mixture.

Add diced avocado to the filling and chop everything together a few more times.

Scoop the filling mixture onto the bottom half of the toasted bagel and secure the top half.