Preheat oven to 325 degrees.
Combine turkey, bacon, and tomato in a medium bowl. Set aside.
In a medium saucepan, melt butter.
Whisk in flour and cook for 1 minute.
Gradually whisk in half-and-half. Cook until sauce thickens.
Remove from heat and stir in salt, pepper, and cheese until cheese is melted.
Pour sauce into bowl with turkey and stir to mix well.
Arrange fillo shells on a baking sheet. Fill each one with filling. Bake 8 to 10 minutes. Garnish with tomato if desired.