In a medium bowl, combine cream cheese, cheddar cheese, jalapeños, and minced garlic. Blend until creamy and uniform. Set aside.

In a large bowl, mix ground turkey, almond flour, minced onion, salt, black pepper, and cumin until just combined.

Shape the turkey mixture into ¾-inch thick patties with a shallow well in the center.

Stuff each patty with cheese filling and seal the edges.

Preheat grill to medium-high heat and brush patties lightly with olive oil.

Cook the stuffed patties for 7-8 minutes on each side, ensuring an internal temperature of 165°F.

Let burgers rest for a few minutes before serving with bacon and lettuce wraps.