Without shaking the can, open the coconut milk. Scoop out the heavy cream at the top of the can into a small bowl.
Put the rest of the ingredients into the bender with about 1/4 cup of the coconut milk. Blend, and add more coconut milk, or water to thicken the smoothie to your desired tastes.
Pour the smoothie into glasses, and top with the coconut cream, toasted coconut, and anything else you desire.