01 - Combine refried beans and taco seasoning in a medium bowl until well blended. Spread mixture evenly across the bottom of a 9x13-inch glass serving dish, creating a solid foundation.
02 - Blend sour cream and softened cream cheese in a separate bowl until completely smooth and no lumps remain. Gently spread this creamy mixture over the bean layer using a spatula, working carefully to avoid disturbing the base.
03 - Spread guacamole evenly over the cream cheese layer. Top with an even layer of drained salsa, ensuring the guacamole remains fully covered.
04 - Sprinkle shredded cheddar and Monterey Jack cheeses over the salsa layer, distributing evenly for complete coverage.
05 - Layer shredded lettuce across the cheese. Top with diced tomatoes, sliced black olives, and green onions, distributing each ingredient evenly.
06 - Cover the dish with plastic wrap or lid and refrigerate for at least 1 hour to allow flavors to meld. Serve chilled with tortilla chips alongside.