Start with a plain bagel (although a fruity or cinnamon flavored would be tasty too). Toast until desired doneness.
Spread on whipped cream cheese. Then top with sliced apple bananas.
These are apple bananas:
Top the bananas with sliced macadamia nuts and drizzle with honey. I used Mac Nut brand honey, purchased at the local farmers' market and honey roasted macadamia nuts.