In large pot, melt butter and cook onions and garlic until limp.
Add chicken broth, beer (if using), spices and green chilis.
Bring to boil. Add white beans and refried beans, stirring well.
Reduce to simmer and add chicken, heavy cream and cheese. Cook for about 15 minutes, stirring regularly to avoid sticking.
Remove from heat, ladle into bowls, and serve with toppings.
This chili is even better with a variety of toppings to add even more flavor. Try a combination of these:
Oh and don't forget the cornbread. We serve it up with lots of butter and sweet fresh honey.