Step 1

Add the refried beans to a mixing bowl. Season with chili powder, cumin and garlic powder. Taste and add more seasoning if desired.

Step 2

Spread beans into a single layer on a large serving plate or in a 9x13'' pan.

Step 3

Add avocado and lemon/lime juice to a bowl and mash well with a fork. Spread into an even layer, over the beans.

Step 4

Spread sour cream into an even layer, over the mashed avocado layer.

Step 5

Dollop small spoonfuls of salsa all over the top of the sour cream layer.

Step 6

Sprinkle with cheese, followed by olives, and then green onion. You could also add a diced tomato for garnish (optional).

Step 7

Refrigerate until ready to serve (this can be made a day in advance). Serve with tortilla chips.