Heat oil in a large skillet over medium high heat.
Add onion, garlic and chilies; sauté until soft. Add turkey and cook until browned.
Stir in chili powder, cumin, and salt. Add tomatoes, and beans, and quinoa. If quinoa is not fully submerged in liquid, add 1/2 cup of water. Bring to a boil. Reduce heat and simmer for 10-15 minutes until quinoa is cooked through.
Sprinkle with cheese; cover and remove from heat. Let stand 1 minute or until cheese melts. Garnish with cilantro, avocado and/or sour cream.
Substitute black beans for cannellini beans. Substitute rice for quinoa