Posture can make it seem as though you have a problem with lower belly fat. In fact, your belly bulge may be due to your pelvis being tilted too far forward and downward, causing your lower back to over arch and pushing out the lower part of your belly. So it makes your belly look bigger than it really is, and it also makes you shorter.
Even if you’re super lean and have very little belly fat, if you have an excessive anterior pelvic tilt, your lower abdomen will protrude. There are stretches that for an excessive anterior pelvic tilt as this video demonstrates. However, if you suspect this may be a problem, your best course of action is to see a health professional for diagnosis and treatment.