In large pot combine pumpkin, broth, and cream coconut over medium heat. Add nutmeg, cinnamon, cloves, ginger, salt and pepper. In frying pan, saute oil, onion, celery, carrots, bay leaf and garlic until soft (about 10 minutes) then remove bay leaf and transfer to pot. In frying pan, saute chopped apples until soft, then transfer to pot. Cook over medium heat for about 30 minutes. Using hand blender, blend together contents of pot until uniform consistency, or puree in food processer and return to pot to cook over low heat for 45-60 minutes. Cool and refrigerate overnight. Heat, serve and enjoy!