In a medium bowl, stir together beans, cream cheese, and salsa until fully smooth and incorporated with no white streaks remaining.
Spread the bean mixture onto the bottom of a 9x13-inch glass casserole dish. (Alternatively, you can use a trifle dish or individual tumbler cups.)
Top with an even layer of guacamole.
Mix together the sour cream and taco seasoning, then spread an even layer on top of the guacamole.
Sprinkle the cheese over the sour cream.
Next is a layer of pico de gallo.
Top with black olives and then scallions.
Cover and store in the refrigerator until ready to serve (at least 1 hour.) The dip is best to eat the day that it is made. Serve with fresh tortilla chips or Fritos. Enjoy!