Toss the banana, kiwifruit, oats, cereal, shredded wheat, whole grain wheat flakes, ground flaxseed, raisins, and walnuts into a bowl.
After cutting the grapefruit in half, use a small, sharp knife to remove the segments. Add the segments to the top of the bowl and squeeze in the juice. Top the bowl with milk substitute.
Cook's Note: To lower cholesterol levels even more, use 1/2 cup oats and omit 1/4 cup of either cereal.