01 - Combine refried beans with taco seasoning in a small bowl, mixing thoroughly. Spread mixture 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. Spread this mixture evenly over the seasoned bean layer.
03 - Gently spread salsa over the creamy layer, ensuring even coverage without disturbing the layers beneath.
04 - Distribute shredded lettuce evenly across the salsa layer. Sprinkle shredded cheddar cheese generously over the lettuce.
05 - Scatter diced tomatoes, sliced black olives, green onions, and fresh cilantro (if using) over the cheese layer for vibrant color and texture.
06 - Arrange diced avocado and jalapeño slices atop the dip for extra flavor and visual appeal, adjusting quantity based on desired spice level.
07 - Cover the dish securely with plastic wrap or lid. Refrigerate for at least 1 hour to allow flavors to meld together and layers to set properly.
08 - Present the layered dip chilled with ample tortilla chips arranged alongside for easy dipping and serving.