1. Bring milk and water to a low boil, and add oats, salt, and cinnamon.
2. Cook, stirring regularly, until liquid is absorbed and oats are soft and slightly chewy, about 25 minutes.
3. Remove from heat and stir in butter.
4. Divide among six bowls and top each bowl with half a sliced banana, coconut chips, chocolate chunks, and pecans.
5. Drizzle syrup on top.