Preheat oven to 350 degrees.
In a large bowl, combine the cream cheese and sour cream.
Mix in the refried beans and seasonings. Stir until combined.
Scoop the mixture into the bottom of a small casserole dish.
Top with salsa, then cheese.
Bake for 25-30 minutes until cheese is melted and bubbly.
Top with avocado, jalapeño, red onion, and cilantro.
