Step 1 - Blend the Base
Combine all the ingredients except the toppings in your blender frozen banana, mango, pineapple, coconut milk, and (if you're taking the recommended approach) chia seeds and your chosen protein source. Puree until completely smooth the mixture should be very thick, closer to soft-serve ice cream than a drinkable smoothie.
Add a touch more liquid if necessary to get everything to blend completely smooth, or if you genuinely prefer a thinner consistency. Be careful not to over-thin it though the whole appeal of a smoothie bowl is that thick, spoonable texture.
Step 2 - Transfer and Top
Transfer the thick smoothie base to an individual serving bowl. Add your chosen toppings kiwi slices, fresh mango, coconut flakes, granola, seeds, macadamia nuts, a drizzle of nut butter, whatever combination sounds good. Eat immediately with a spoon while it's cold and thick.