@swindon Losing that last bit of stubborn fat around the midrif is really hard. Its not called stubborn for nothing.
It takes real commitment and knowledge. I have done it at 56, and the key is lifestyle. If you live and train and eat according to your (good) habits, the will come off. It takes time, but it works.
Consistency is key. So consistently train to spend more than you consume, or vice versa, consume less than you train.
Movement is key and diet is key. I recently read something that makes absolute sense. It goes like this: to sustain or maintain a healthy diet it has to be food that you like to eat, in order for it to become a habit a natural to keep it up.
Take the 3 or 4 ingredients you love to eat from each of the 6 food-groups. These are high protein, fat, starch, vegetable, fruit, dairy.
This should be what makes up your daily diet. These are the foods you like to eat and it will be easy to stick to them naturally.
To loose those love handles will mean you consistently will have to create a caloric deficit between what you eat and what you burn. Which will mean keeping some kind of record to see which old habits you have to change to new ones.
After some time and a lot of patience, it will become habit, and part of your routine. This consistency an new lifestyle will keep the fat off for the rest of your life.