1 container avocado dip
1 (16 oz.) can refried beans
1 c. sour cream
1/2 c. mayonnaise
1 pkg. taco seasoning mix

Spread refried beans on a large platter. Top with avocado dip. Mix remaining ingredients together in a small bowl then spread over avocado layer. Garnish with grated cheese, onions, olives and tomatoes as desired.