While Refried Beans are simmering, prepare your fixings. Slice olives if necessary, grate cheese, wash and cut lettuce and stir the sour cream.
Just before serving, warm tortillas in the microwave for a few seconds. To assemble burritos, scoop beans onto center of tortilla. Add cheese, Pico de Gallo and toppings as desired. Wrap burrito by first folding in the bottom (to catch the drips) and then folding in the sides as tightly as you can. Enjoy!