Crumble the tempeh into small, bite-sized pieces with your hands or a fork.
Heat the olive oil in a large skillet over medium-high heat. Add the crumbled tempeh and cook for 5-6 minutes, stirring occasionally, until lightly browned.
Add the chipotle powder, cumin, smoked paprika, and garlic. Stir well and cook for another 3-4 minutes until fragrant and the tempeh is crisp in spots.
Remove from heat and stir in the lime juice. Season with salt and pepper to taste.
Toss the cooked rice with a squeeze of lime juice and chopped cilantro.
Divide the cilantro-lime rice among bowls. Top each with the chipotle tempeh, black beans, diced avocado, and pico de gallo.
Garnish with fresh cilantro and serve with lime wedges.