Preheat the oven to 375°F (190°C).
Lightly grease a 9x13-inch baking dish.
Pat the chicken dry with paper towels. Season both sides with 1/2 teaspoon salt, pepper, garlic powder, onion powder, and smoked paprika.
In a mixing bowl, combine the cream cheese, mayonnaise (or sour cream), mozzarella, cheddar, and Parmesan. Stir until smooth.
Fold in half the crumbled bacon and half the chives.
Place the chicken breasts in the baking dish. Spread the cheese mixture evenly over the top of each piece, covering them fully to help keep them moist.
In a small bowl, mix the almond flour with the remaining 1/2 teaspoon salt and olive oil or melted butter until crumbly. Sprinkle this mixture over the cheese layer.
Bake uncovered for 25–30 minutes, or until the chicken reaches an internal temperature of 165°F (74°C) and the top is bubbling and lightly golden.
Remove from the oven.
Sprinkle on the remaining bacon and chives. Let rest for 5 minutes so the juices settle.
Garnish with parsley if you like. Serve hot with simple sides like roasted broccoli, sautéed zucchini, or a crisp green salad.