There's no way to target specific trouble zones for fat loss; the best program is a full-body program that targets everything. And there's no need to wait until you've lost the weight, either; for best results overall, do it from day one! When you don't, as much as 25% of weight loss can be from lean muscle mass, resulting in what is unfondly known as "skinny fat", where your weight is low, but your body fat percentage is high.
Here's SP's workout generator, where you can custom-design any workout you're looking for! www.sparkpeople.com/resource/fitness_plan_