Boil water as directed on Jell-O pkg. Melt cream cheese in hot water -- dice it up and melt it as best you can-- make lumps as small as possible. Add Jell-O and mix up. Use the peach juice as part of the cold water.
Mix up and pour into container. Let stand 20 minutes to 1/2 hour.
Add peaches, then bananas. Add nuts. You may add coconut - taking spoon and pushing coconut under surface. Refrigerate until set.