In a medium bowl, mix the refried beans and taco seasoning until well combined.
Spread the bean mixture evenly into the bottom of a 9x13-inch dish.
Spoon the guacamole over the beans and gently spread it out to cover the layer.
Do the same with the sour cream, smoothing it over the guacamole.
Create a flag design on top: use sliced black olives to form the square in the top left corner, then arrange rows of diced tomatoes and shredded mozzarella to make the red and white stripes.
Cover and refrigerate for at least 1 hour before serving.