Finely dice the red bell pepper and red onion.
Heat avocado oil in a non-stick skillet over medium heat and sauté the peppers and onions until softened, about 3-4 minutes.
Rinse and drain the black beans, then add them to the skillet along with the cumin, sea salt, and black pepper, stirring for 2 minutes.
In a small bowl, whisk together the whole eggs and egg whites until well combined.
Pour the egg mixture into the skillet with the vegetables and beans, scrambling gently with a spatula until the eggs are just set and fluffy.
Warm the whole wheat tortilla in a separate dry pan or microwave for 15 seconds until pliable.
Spread the Greek yogurt down the center of the tortilla, then top with the egg and bean scramble.
Sprinkle the shredded cheddar cheese over the hot filling so it begins to melt.
Add the salsa on top, then fold in the sides and roll the tortilla tightly into a burrito.
Optional: Place the rolled burrito back in the skillet for 30 seconds per side to create a golden, crispy exterior.