Hi yes I've got that too even though I'm prob only about a stone over what I would like to be.
You defo need firstly to get some of the weight off if you have much too much, but the main thing is to get firmed up even with the extra bulges. I agree with CKLD - we put on weight there and it shows more as our muscles seem to get flabbier with age. If you do lots of suitable exercise in the core/tummy it means you can pull yourself in and it doesn't look half so so bad. I can let it all go and slouch and I look huge - or pull it all in, pull yourself upright, shoulders back, tits out and suddenly I look a different person. It really makes a huge difference how you hold yourself
(oops didn't mean to say that...).
Long slightly fitted flared tunics over just below knee skirts or straight trousers tend to hide it all, also belt on the hips!