How you lose lower belly bulge, without losing your whole body fat percentage?

I am tall and fairly well proportioned with weight distribution- other than my belly. My belly is flat all they way down just beneath my belly button and then there is a bulge of fat that in comparison to the rest of my body, looks out of place. I have been insecure about it for a long time. I have researched a lot in fitness and nutrition and have learned that its possible to obtain a flat stomach - with good genes or not and its impossible to spot reduce. Does anyone have any advice on how to lose that lower belly bulge and love handles without losing the rest of your body? Thanks.