7 Layer Sombrero Dip

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3/4 cup monterey Jack cheese

3/4 cup shredded Cheddar cheese

1 can (16 ounces) refried beans

1 can (2 1/4 ounces) sliced ripe olives, rinsed and drained

1 can (4 ounces) diced green chiles, rinsed and drained

1 container (8 ounces) sour cream - or substitute Greek yogurt

1 cup diced tomatoes

1 packet (1 ounce) Hidden Valley® Original Ranch® Dips Mix 

Chopped avocado (optional)