01 - Combine refried beans with taco seasoning in a medium bowl until thoroughly incorporated. Spread the seasoned beans evenly across the bottom of a 9x13-inch glass dish or large serving platter.
02 - Whisk sour cream and softened cream cheese together in a separate bowl until completely smooth and no lumps remain. Gently spread this mixture over the bean layer, being careful not to disturb the base.
03 - Halve and pit the avocados, scooping the flesh into a small bowl. Mash with lime juice and salt using a fork until mostly smooth but retaining some texture for creaminess. Spread this layer evenly over the cream cheese mixture.
04 - Carefully spoon chunky salsa over the guacamole, spreading gently to cover the entire surface while avoiding mixing with the underlying layers.
05 - Distribute shredded cheddar or Mexican blend cheese uniformly over the salsa layer, ensuring complete coverage.
06 - Layer shredded lettuce evenly across the cheese, followed by diced tomatoes, sliced black olives, and green onions distributed decoratively over the surface.
07 - Cover the dish tightly with plastic wrap and refrigerate for at least 1 hour to allow flavors to meld together. Serve chilled with tortilla chips for dipping.