In a large Dutch oven melt butter over medium heat. Whisk in flour. Cook for 2 minutes. Gradually whisk in chicken broth and half-and-half. Add ranch packet and all spices. Mix well.
Bring to a boil and cook 2 minutes or until thickened. Add cream cheese and cook an additional minute, stirring well to incorporate.
Add chicken, beans, corn, chiles, and tomatoes. Bring to a simmer, then lower heat slightly and cook for 10 to 15 minutes, stirring occasionally. Mix in bacon and cheddar cheese and cook 4 to 5 minutes more.
Serve hot. Spoon into bowls and add desired toppings. Makes about 10 servings.