Season beans: 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.

Mash avocado: Add avocado and lemon/lime juice to a bowl and mash well with a fork. Spread into an even layer, over the beans.

Layer: Spread sour cream into an even layer, over the avocado. Dollop small spoonfuls of salsa next. Sprinkle with cheese, olives, and lastly, green onion. We also like to add a diced tomato for garnish (optional).

Refrigerate until ready to serve (can be made a day in advance). Serve with tortilla chips.