01 - Place shredded coconut in a dry skillet over medium heat. Stir frequently for 3 to 5 minutes until lightly golden and aromatic. Remove from heat and let cool completely.
02 - Core apples and cut into 1/4-inch thick rounds. Arrange slices evenly on a parchment-lined tray.
03 - If using caramel candies, microwave with 1 tablespoon of water in 20-second intervals, stirring until completely smooth. If using prepared caramel dip, warm briefly to achieve a spreadable consistency.
04 - Spread a thin layer of warm caramel over each apple slice using a small spoon or offset spatula.
05 - Sprinkle toasted coconut generously over the caramel layer, pressing gently so it adheres to the surface.
06 - Combine chocolate chips with coconut oil (if using) in a microwave-safe bowl. Heat in 20-second bursts, stirring until chocolate is melted and smooth.
07 - Using a fork or piping bag, drizzle melted chocolate over the coconut-topped apple slices.
08 - Optionally, garnish with a pinch of flaky sea salt. Allow caramel and chocolate to set for about 5 minutes before serving.