Heat oven to 225 degrees.
Line a baking sheet with parchment paper.
Unwrap caramels and place them 2 inches apart on the prepared baking sheet.
Place in the oven for 3-5 minutes or until caramels are softened and starting to melt.
Remove caramels from the oven. While they’re still hot, carefully press 4 pecan halves into each caramel.
Set aside to cool.
In a microwave safe bowl, combine chocolate chips and coconut oil (if using).
Microwave chocolate for 60 seconds, stirring every 15 seconds.
Stir chocolate chips until smooth. Spoon 1 heaping tablespoon of melted chocolate over each caramel/pecan cluster.
Set aside and allow chocolate to set/solidify. This will take 2-3 hours, depending on the heat and humidity in your house.