Toast the Bagel: Preheat your toaster or toaster oven. Slice the whole wheat bagel in half and toast until golden brown.
Blend the Smoothie: In a blender, combine the mixed berries, milk, honey, oats, banana, and ice. Blend until smooth. Taste and adjust sweetness if needed by adding more honey. Adjust the consistency as needed with milk.
Prepare the Bagel: Once toasted, spread cream cheese on each half of the bagel.
Serve: Pour the smoothie into glasses. Serve with half cream cheese bagel on the side.