Spread refried beans all over the bottom of a 9×9 in pan.
In a medium bowl, mix together the yogurt and packet of taco seasoning. Spread on top of the refried beans.
Finally, add the remaining layers in the following order: guacamole, shredded cheese, quartered grape tomatoes, sliced black olives, diced onion, cilantro, and chopped jalapeno slices (if using).
Cover and refrigerate until ready to serve. Can be made up to 24 hours in advance, but is best to make the day of!
Serve with tortilla chips, pita chips, carrot sticks, celery, or cucumber slices.
