Heat the olive oil in a non-stick skillet over medium-high heat.
Add the ground turkey to the skillet, breaking it up with a spatula.
Season the turkey with cumin, chili powder, sea salt, and black pepper, cooking until browned and cooked through.
Add the diced red bell pepper and red onion to the skillet, sautéing for 3-4 minutes until the vegetables are tender.
Push the turkey and vegetable mixture to one side of the pan and crack the egg into the open space.
Scramble the egg until just set, then fold it into the turkey mixture.
Warm the whole wheat tortilla in a separate dry pan or microwave for 15 seconds.
Place the turkey and egg mixture in the center of the tortilla, top with black beans and salsa roja.
Fold in the sides of the tortilla and roll tightly to serve.