01 - Combine refried beans with taco seasoning in a medium bowl until thoroughly incorporated. Spread evenly across the bottom of a 9x13-inch glass dish or large serving platter.
02 - Whisk sour cream and softened cream cheese together until completely smooth. Gently spread this mixture over the bean layer, ensuring even coverage.
03 - Mash avocados with lime juice and salt in a small bowl until mostly smooth with slight chunks remaining. Distribute evenly over the creamy layer.
04 - Carefully spoon salsa over the guacamole, spreading gently to reach the edges without disturbing the layers beneath.
05 - Evenly distribute shredded cheddar cheese over the salsa layer, covering completely.
06 - Layer shredded lettuce followed by diced tomatoes, black olives, and green onions, distributing each topping uniformly.
07 - Cover the dish and refrigerate for minimum 1 hour to allow flavors to meld together thoroughly.
08 - Present chilled accompanied by tortilla chips for dipping.