Blend the cottage cheese, lime juice, taco seasoning, garlic powder, and salt until completely smooth. Spread it across the bottom of a shallow serving dish and refrigerate it.
Heat the olive oil in a large skillet over medium-high heat. Add the ground turkey and cook for 6 to 8 minutes, breaking it into small crumbles, until fully cooked.
Stir the taco seasoning, salsa, and black beans into the turkey. Cook for 2 to 3 minutes, until the mixture is thick and no excess liquid remains.
Let the turkey mixture cool for 10 minutes. Spreading it while piping hot could loosen the cottage cheese layer.
Spoon the turkey and bean mixture evenly over the whipped cottage cheese. Sprinkle the shredded cheese over the turkey.
Top the dip with pico de gallo, avocado, green onions, cilantro, and jalapeno. Serve immediately with sturdy tortilla chips or crisp bell pepper pieces.