01 - Place shredded coconut in a dry skillet over medium heat. Stir frequently for 3 to 5 minutes until lightly golden and fragrant. Remove from heat and allow to cool.
02 - Core apples and slice them into 1/4-inch thick rounds. Arrange the apple slices on a parchment-lined tray.
03 - Place caramel candies and 1 tablespoon water in a microwave-safe bowl. Microwave in 20-second intervals, stirring between each, until fully melted and smooth. If using caramel dip, warm slightly if needed for easy spreading.
04 - Using a small spoon or offset spatula, spread a thin layer of melted caramel over each apple slice.
05 - Sprinkle a generous amount of toasted coconut onto the caramel layer of each apple slice, pressing lightly for adhesion.
06 - Place chocolate chips with coconut oil, if using, into a microwave-safe bowl. Heat in 20-second intervals, stirring until smooth and fully melted.
07 - Using a fork or a piping bag, drizzle the melted chocolate over the coconut-topped apple slices.
08 - Add a light sprinkle of flaky sea salt, if desired. Allow chocolate and caramel to set for 5 minutes before serving.