In a large sauce pan brown turkey. When turkey is almost done, add chopped pepper and onion and cover to simmer until all is fully cooked.
Place turkey mix in a medium bowl and use the same large pan to fully heat refried beans and baked beans, this is when I add the coconut oil to moisten the beans and keep them from burning. When beans are fully heated add spices and other seasonings, sprinkle cheese on top and cover to melt.
Combine all ingredients in bowl and stir well. Add salt and pepper to taste.