"surface succulents" have worked wonderfully for me in many group planters without changing the soil...
I live in NY, and I've had succulents growing around mature hibiscus, pineapple and Canna
You can top dress the pot, but be careful about layering soil types... I wouldn't do it. You don't change the soil, the right way to do it is pick the right pot.
a large pot will automatically stay moist toward the center and bottom... most succulents have very shallow roots, so you can let the pot top dry without Stressing the deeper more water dependent plant.
I don't think you can do it laying different substrates- you'd never know what the middle looks like, you'd likely rot the center if you layer different draining soils. You can do it by selecting pot size/shape. A deep pot is better than a shallow pot, wide better than narrow.