Gently toast your pecans in a dry skillet over medium-low heat for 1-2 minutes until they smell nutty and are lightly browned. Be careful not to burn them! Set aside on a plate to cool.
In an 8-inch non-stick pan, melt the butter over very low heat. Continue cooking, stirring occasionally, for 10-15 minutes until it turns a deep golden brown. This step adds a wonderful, rich flavor to your caramel!
Slowly pour in the heavy whipping cream while stirring gently. Let the mixture simmer for 1-2 minutes. Stir in the monk fruit sweetener. If you like, add a tiny pinch of salt to enhance the flavors. Continue cooking until the mixture thickens slightly.
If your caramel mixture looks separated, don't worry! Carefully transfer it to a small blender (like a personal blender) and blend on high for 1-2 minutes until smooth and creamy.
Pour the caramel into a glass jar or bowl. Stir it while it cools down a bit, then place it in the refrigerator for about 30 minutes to speed up the hardening process. It should become thick and smooth, like a soft dulce de leche or thick peanut butter. If it separates during cooling, just stir it with a spoon until smooth again.
Using a double boiler or a microwave (in short bursts, stirring frequently), gently melt the sugar-free chocolate until it's smooth and melted, but still a bit thick—not too runny.
Line a cookie sheet with parchment paper. Arrange your toasted pecans in small clusters of three.
Spoon about 1 tablespoon of the cooled caramel over the center of each pecan cluster.
Place the cookie sheet in the freezer for 10 minutes to allow the caramel to firm up.
Remove from the freezer. Spoon about 1 tablespoon of melted chocolate over each caramel-topped pecan cluster, making sure it covers the caramel.
Pop the cookie sheet back into the freezer for another 10 minutes to set the chocolate. Once firm, transfer your delicious Low Carb Chocolate Caramel Turtles to an airtight container and store them in the refrigerator. Enjoy your healthy, festive treats!