Slice each piece of toast into a square and place one above other on plate.

Spread layer of cream cheese on bottom third of lower piece of toast and cover spread with crushed crackers.

Spread layer of cream cheese from lower-right corner to upper-left corner and, starting at bottom, layer sliced almonds on top of each other to create trunk spreading across both pieces of bread.

Arrange greens into palm fronds at top of trunk. Use cream cheese as glue if they begin to slip.

Arrange black olives and green olive as coconuts between top of trunk and base of leaves, covering bottom of leaves.