01 - Mix refried beans with taco seasoning in a small bowl. Spread evenly across the bottom of a 9x13-inch serving dish or casserole dish.
02 - Blend softened cream cheese, sour cream, mayonnaise, and lime juice in a separate bowl until completely smooth and well combined.
03 - Evenly distribute the creamy mixture over the bean layer using a spatula, ensuring complete coverage.
04 - Gently spread salsa over the creamy layer, maintaining distinct layers for visual appeal.
05 - Evenly distribute shredded lettuce over the salsa, followed by a layer of shredded cheddar cheese.
06 - Scatter diced tomatoes, sliced olives, green onions, and fresh cilantro (if using) across the cheese layer.
07 - Add diced avocado and jalapeño slices for extra flavor, color, and presentation if desired.
08 - Cover the dish and refrigerate for at least 1 hour to allow flavors to meld. Serve chilled with tortilla chips for dipping.