In a large saucepan, saute the chicken, onion and garlic powder in oil until chicken is no longer pink.
Add the beans, broth, chiles and seasonings and bring to a boil.
Reduce heat; simmer, uncovered, for 30 minutes.
Stir in cubed cream cheese and stir until melted.
Add cream and heat through.
Top each bowl with sour cream, grated cheese, jalapenos, avocado and tortilla chips, if desired.