Prepare the vegetables: In a large mixing bowl, combine the rinsed and drained black beans, drained corn, halved cherry tomatoes, diced red onion, diced red bell pepper, and minced jalapeño (if using).

Whisk the dressing ingredients: In a small bowl, whisk together the fresh lime juice, olive oil, apple cider vinegar, ground cumin, salt, and black pepper until well emulsified.

Combine and marinate: Pour the dressing mixture over the bean and corn mixture. Gently fold everything together until evenly coated. Cover the bowl and refrigerate for at least 15 minutes to allow the flavors to meld.

Fold in avocado and cilantro: Just before serving, gently fold in the diced avocado and chopped cilantro. Since avocado browns easily, it's best added right before serving.

Taste and adjust seasoning: Taste the Cowboy Caviar and adjust salt, pepper, or lime juice as needed to achieve your preferred balance of flavor.

Serve chilled or at room temperature with your favorite tortilla chips, or as a fresh topping for grilled chicken or fish.