Well, I hate to be the one to tell you this but you can't spot reduce. What that means is that you can't pick where the fat is going to be removed from when you lose it. So if you want to lose fat in your lower stomach, you will need to lose fat from your entire body.
Let me start with a couple of questions and we will go from there. First, what is your body fat %? This number is very important in figureing out what to work on. Second, Height/weight numbers? Third, diet? What does a typical day of eating look like for you? Number of calories and their breakdown?
Give us those numbers and I am sure we can tailor something to better fit you.