In a mixing bowl, combine the refried beans with sea salt. If you're using homemade refried beans, ensure they are creamy and smooth.
In another bowl, mash the avocados and mix in the lime juice, finely chopped jalapeño, and half of the chopped cilantro. Season with salt to taste.
In a separate bowl, combine the sour cream and taco seasoning until well mixed.
In a serving dish, start layering your ingredients: First, spread the seasoned refried beans on the bottom, then add a layer of salsa, followed by guacamole, and then the sour cream mixture.
Sprinkle the grated cheddar cheese over the sour cream layer. Add diced Roma tomatoes, sliced jalapeños, and chopped scallions. Finish with cilantro and optional black olives.
Cover the dip with plastic wrap and refrigerate for at least 30 minutes to allow the flavors to meld. Serve with tortilla chips for dipping.