Layered Taco Spread

Ingredients

• 1 (16 oz.) can refried beans
• 1/2 c. taco sauce
• 3/4 c. shredded sharp Cheddar cheese
• 1 (8 oz.) pkg. cream cheese, softened
• 1/4 c. dairy sour cream
• 3 Tbsp. mayonnaise
• 1/4 tsp. garlic powder
• 1 large avocado, seeded and peeled
• 1 medium onion, cut up
• 1 Tbsp. lemon juice
• 1 tomato, seeded and chopped
• 1/2 c. sliced pitted ripe olives
• 1/2 c. sliced green onions
• tortilla chips