Spray a large pot or Dutch oven with cooking spray or an olive oil mister, and set over medium high heat. Add in ground turkey and broth, and cook until turkey is no longer pink, about 5-7 minutes.
Add in garlic and onion, and cook until fragrant, about 2-3 more minutes.
Stir in ranch seasoning, taco seasoning, tomatoes, corn, and beans, and bring to a simmer.
Reduce heat to low, cover and let cook for about 20-30 minutes. season with salt and pepper as desired.
Spoon into 6 serving bowls, and top each bowl with cheese, while soup is still hot.
Serve with optional toppings such as: sour cream, lime wedge, diced red onions, fresh cilantro, and crushed tortilla chips).