Heat the avocado oil in a large heavy-bottomed pot over medium heat.
Add the diced yellow onion and green bell pepper, sautéing for 5-7 minutes until the vegetables are softened and slightly caramelized.
Stir in the minced garlic, chili powder, cumin, sea salt, and black pepper, cooking for 1 minute until highly fragrant.
Add the textured vegetable protein, black beans, kidney beans, pinto beans, fire-roasted tomatoes, and vegetable broth to the pot.
Bring the mixture to a gentle boil, then reduce the heat to low and cover.
Simmer for 20 minutes, stirring occasionally to ensure the textured vegetable protein absorbs the liquid and the flavors meld.
Remove from heat and stir in the nutritional yeast and fresh lime juice to brighten the flavors and add a savory depth.
Serve hot in bowls, optionally garnished with fresh cilantro or sliced jalapeños.