Place 2 packages Neufchatel or regular cream cheese in a large mixing bowl. Add 2 envelopes taco seasoning and mix thoroughly.
Chop 1 tomato.
Chop 2 green onions.
Chop 1/2 head of lettuce.
On a platter, evenly spread the cream cheese and taco seasoning mixture.
On top of the cream cheese mixture, evenly spread 1 can fat-free refried beans.
Spread guacamole (homemade or store bought) across top of refried beans.
Place shredded lettuce along the outside of the platter.
Top the shredded lettuce with chopped tomatoes.
Add 4 oz. Mexican shredded cheese to the tomatoes.
Place green onions on top of the shredded cheese.
Spread black olives around the outer ring.
Fill a small plastic bag with sour cream (substitute Greek yogurt if you like). Snip an end off the bag and create a spider web with the sour cream.
Serve with tortilla chips and enjoy!