Remove cream cheese from fridge 30 minutes before making
Beat softened cream cheese in medium bowl with electric mixer 2-3 minutes until fluffy
Scrape down bowl sides
Add powdered sugar, beat on low then medium 1-2 minutes until smooth
Add vanilla, citrus zest, citrus juice, salt
Beat until incorporated
Add marshmallow fluff or whipped topping
Beat on medium until completely combined and fluffy
Check consistency—should cling to fruit but be easy to dip
Add milk if too thick, powdered sugar if too thin
Taste and adjust sweetness or flavor
Transfer to serving bowl, cover
Refrigerate at least 30 minutes
While chilling, wash and cut fresh fruit
Toss apple slices in lemon juice to prevent browning
Place dip in center of platter, arrange fruit around
Serve chilled