Set the oven to 350°F and let it preheat before baking. A fully heated oven helps the batter begin rising evenly.
In a large bowl, combine the almond flour, the smaller portion of Swerve, eggs, pumpkin puree, melted butter, the larger spice portion, baking powder, and vanilla until evenly blended. The batter should look uniform, with no dry flour pockets.
Grease a 9x13-inch baking dish thoroughly, then transfer the pumpkin batter into it and level the surface. An even layer helps prevent thin areas from drying before the center cooks.
Using a mixer, work the softened cream cheese and softened butter together with 1 cup Swerve and 1 tsp pumpkin pie spice until creamy. The topping should have a consistent texture without visible cheese lumps.
Drop spoonfuls of the cream cheese topping across the pumpkin layer. Keep recognizable pockets rather than covering the batter with a completely blended layer.
Scatter the white baking chips and chopped pecans across the surface. Distribute them over both the pumpkin batter and cream cheese pockets.
Place the dish in the oven for 30–35 minutes, checking that the cake portion has cooked through. Look for set edges and a mostly firm surface, with only a slight movement in the creamy center rather than loose batter.
Leave the cake in its baking dish to cool before cutting. The soft cream cheese pockets firm as the cake cools, making the pieces easier to lift.