In a bowl, and using a mixer, mix together the cream cheese, sour cream and taco seasoning, set aside.
In a 9x13 baking dish or serving tray, spread the refried beans on the bottom.
Next, carefully layer the avocado on top of the beans, spread evenly.
For the third layer, gently spread the sour cream mixture on top of the avocado.
Next, layer on the shredded cheese.
Sprinkle diced green onions on top of cheese.
Layer on the diced tomatoes.
Top tomatoes with black olives.
Sprinkle on chopped fresh cilantro if desired.
Serve with chips or crackers, etc.