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Peel avocados, remove seeds and mash with a fork in a small bowl. Stir in lemon juice, salt and pepper; set aside.
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In a small bowl; stir together mayonnaise, sour cream and taco seasoning; set aside.
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In a large serving tray; spread bean dip evenly in the bottom.
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Top with layer of avocado and spread.
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Top with layer of sour cream mixture and spread.
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Sprinkle half of the cheddar cheese.
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Top with tomatoes, black olives and remainder of cheese.
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Sprinkle top with freshly chopped chives.
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Cover and refrigerate until cold for at least 2 hours.
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Serve with your favorite tortilla chips and raw veggies.