01 - Whisk together whole milk, heavy cream, and cornstarch in a small saucepan until fully blended.
02 - Cook over medium heat, whisking constantly, until thickened and just beginning to bubble, approximately 4 to 5 minutes.
03 - Remove from heat and whisk in softened cream cheese, powdered sugar, vanilla extract, and optional butter until the texture is smooth and creamy.
04 - Stir in lemon or orange zest to enhance flavor, if using.
05 - Transfer the mixture to a bowl, cover with plastic wrap directly on the surface to prevent skin formation, and allow to cool to room temperature before refrigerating for about one hour until set.
06 - Apply the chilled creamy filling to cakes, pastries, tarts, or donuts as desired.