01 - Combine refried beans with taco seasoning in a small bowl, mixing thoroughly. Spread evenly across the bottom of a 9x13-inch casserole dish or large serving platter.
02 - Blend softened cream cheese, sour cream, mayonnaise, and lime juice in a separate bowl until completely smooth and no lumps remain.
03 - Evenly distribute the creamy mixture over the bean layer using a spatula, creating a uniform base for the toppings.
04 - Gently spread salsa over the creamy layer, taking care not to disturb the layer beneath.
05 - Evenly distribute shredded lettuce across the salsa, followed by a generous layer of shredded cheddar cheese.
06 - Scatter diced tomatoes, sliced olives, green onions, and cilantro (if using) over the cheese layer for optimal visual appeal.
07 - Add diced avocado and jalapeño slices as desired for extra flavor dimension and presentation.
08 - Cover the dish and refrigerate for at least 1 hour to allow flavors to meld. Serve with tortilla chips for dipping.