01 - Combine refried beans with taco seasoning in a medium bowl until thoroughly incorporated. Spread mixture evenly across the bottom of a 9x13-inch glass dish or large serving platter.
02 - Whip sour cream and softened cream cheese together in a separate bowl until completely smooth. Gently spread over the bean layer, working from the center outward to maintain distinct layers.
03 - Mash avocados with lime juice and salt, leaving some small chunks for texture. Spread evenly over the creamy layer.
04 - Carefully spoon salsa over the guacamole, spreading to the edges without disturbing the layers beneath.
05 - Evenly distribute shredded cheese over the salsa layer.
06 - Layer shredded lettuce first, followed by diced tomatoes, black olives, and green onions, ensuring even coverage.
07 - Cover dish with plastic wrap or lid and refrigerate for at least 1 hour to allow flavors to meld. Serve chilled with tortilla chips for dipping.