To make the guacamole layer, combine the avocados and lime juice in a small mixing bowl. Add salt and pepper, to taste. Use a fork to mash together; set aside.

Divide the refried beans into the bottom of each small cup, followed by the guacamole and sour cream.

Drain any excess liquid from the salsa, then spoon it into the cups.

Top with shredded cheese, olives, green onions, diced tomatoes, and (optional) jalapenos.

Refrigerate until ready to serve. Garnish each cup with a single tortilla chip before serving, if desired.