Melt coconut oil in saucepan over medium-high heat. Stir in apples, cinnamon, and cardamom. Cook 4 minutes, stirring occasionally, or until tender. Remove cooked apples from saucepan and set aside.
Prepare oatmeal:
Pour almond milk or water into same saucepan. Bring to a boil and then reduce heat to medium-low. Stir in Hearty Grains & Seeds cereal, tahini, and salt. Cook 4 minutes, or until oats soften to desired consistency. Stir in half of the cooked apples.
Serve:
Transfer cooked cereal mixture to bowls and top with remaining apples.
Top with pomegranate, pecans, tahini, maple syrup, and cinnamon if desired.