Heat refried beans over low heat until bubbly. Place half of the chips on an oven proof pie plate and cover with half the cheese. Carefully add the rest of the chips topped with the remaining cheese. Place under the broiler for 5 minutes or until cheese is melted. Carefully remove chips from broiler and drizzle on beans. Then add dollops of guacamole, sour cream and lastly, sprinkle on the tomatoes.
*If adding meat, freshly cooked is the best option, or re-heat pre-cooked meat until piping hot. Add right after the beans layer.