# Steps:
01 - Cut the bagel horizontally into two halves using a serrated knife.
02 - Toast both halves in a toaster or under a broiler until golden and crisp, approximately 2 to 3 minutes.
03 - Spread a generous layer of cream cheese evenly over each warm bagel half using a spreading knife.
04 - Layer any desired optional toppings such as cucumber, tomato, smoked salmon, fresh dill, capers, or red onion slices onto the cream cheese.
05 - Serve immediately while the bagel is warm to enjoy optimal flavor and texture.