Add the refried beans to a mixing bowl. Season with chili powder, cumin and garlic powder. Taste and add more seasoning if desired.
Spread beans into a single layer on a large serving plate or in a 9x13'' pan.
Add avocado and lemon/lime juice to a bowl and mash well with a fork. Spread into an even layer, over the beans.
Spread sour cream into an even layer, over the mashed avocado layer.
Dollop small spoonfuls of salsa all over the top of the sour cream layer.
Sprinkle with cheese, followed by olives, and then green onion. You could also add a diced tomato for garnish (optional).
Refrigerate until ready to serve (this can be made a day in advance). Serve with tortilla chips.
