Preheat the oven: Set your oven to 400°F (200°C). Grease a 9x13-inch baking dish unless you’re using an oven-safe skillet.
Sauté aromatics: Heat olive oil in a large skillet over medium heat.
Add onion and cook 3–4 minutes until softened, then stir in garlic for 30 seconds until fragrant.
Brown the turkey: Add ground turkey, breaking it up with a spoon. Season with salt, pepper, cumin, chili powder, and smoked paprika. Cook 5–7 minutes until no longer pink and lightly browned.
Add jalapeños and tomatoes: Stir in sliced jalapeños and the drained diced tomatoes.
Cook 2 minutes to soften slightly.
Moisten the mixture: Pour in chicken broth and simmer 1–2 minutes, scraping up browned bits. You want it juicy but not soupy.
Make the creamy base: In a bowl, whisk cream cheese and sour cream until smooth. If the cream cheese is stiff, microwave it for 10–15 seconds first.
Season with a pinch of salt.
Assemble: Spread the cream cheese mixture evenly over the bottom of the baking dish. Spoon the turkey-jalapeño mixture over the top and spread in an even layer.
Cheese it up: Sprinkle cheddar and Monterey Jack evenly over the turkey layer. Add a few extra jalapeño slices on top if you like it spicy.
Bake: Place in the oven and bake 12–15 minutes, until the cheese is melted and bubbling around the edges.
For a golden top, broil for 1–2 minutes at the end, watching closely.
Finish and serve: Let it rest 5 minutes. Top with green onions and cilantro. Serve with lime wedges and your choice of sides—rice, cauliflower rice, a green salad, or warm tortillas.