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Add the oil and onion to a soup pot and sauté over medium-high heat for 5 minutes.
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Add all the remaining soup ingredients to the pot except for the cream cheese, chicken, and salt & pepper.
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Increase the heat to high and bring the soup to a boil. Turn down the heat so it’s simmering gently (uncovered) for 5 minutes. While the soup cooks, prep your toppings.
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Cut the cream cheese into smaller pieces and add it to the soup. Let it melt in (you may have to stir it a fair bit until it’s fully incorporated).
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Stir in the chicken and cook for another 5-7 minutes or so until it’s warmed through.
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Season the soup with salt & pepper and serve with toppings as desired.