- Add chopped onion and minced garlic to a large pot over medium heat. 
- Sauté until the onion is soft and translucent, about 4 minutes. 
- Add the cooked, shredded chicken to the pot. 
- Pour in the white beans and diced green chiles. 
- Add the chicken broth and stir to combine. 
- Sprinkle in cumin, salt, pepper, and chili powder. 
- Bring everything to a gentle simmer and cook for 15 to 20 minutes. 
- Reduce heat to low and stir in the cream cheese until fully melted and smooth. 
- If using shredded cheese, stir it in until melted. 
- Add lime juice and stir. 
- Taste and adjust seasoning if needed. 
- Optional: Stir in corn, cilantro, hominy, or a dash of hot sauce. 
- Serve hot with your favorite toppings.