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Preheat the oven to 175°F. Line a rimmed baking sheet with parchment paper.
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Unwrap the chocolate bars and place them side by side on the baking sheet. Alternate white, milk, and dark chocolate for a marbled swirl.
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Bake for 5 minutes until just softened. Keep a close eye—overheating will make the chocolate grainy.
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Swirl gently with a toothpick or skewer to create a marble pattern.
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Add toppings immediately while the chocolate is still warm.
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Cool completely at room temperature, then refrigerate for 2 hours to set.
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Break into pieces and store in the fridge for up to a week.