Layer the refried beans on bottom of a glass bowl.
Mix sour cream and taco seasoning together and place mixture on top of the beans.
Add the avocado on top of the sour cream mixture.
Combine 3 chopped tomatoes, onion and salt and pepper, on top of the chopped avocado.
Top the dip with cheddar cheese (keep the avocado from turning, by drizzling a little lime juice on top.)
Garnish with the chopped tomatoes and jalapeƱos.
Enjoy with your favorite chips.