What would improve my lower face? It seems kind of saggy & not chiseled (Photos)

Close-up photos, as well as profile shots would have been very helpful for evaluating how best to proceed. But from what can be seen there appears to be some loss of volume in the upper, outer cheeks, which is contributing to the laxity below that disturbs you, as well as for the development of tear troughs and hollows under the eyes. In the hands of an experienced, board certified cosmetic dermatology filler expert, the use of a robust HA voluming filler can provide lift and contour to the cheeks and at once reestablish a more feminine, youthful oval, heart-shaped face, as well as address the infraorbital hollows and tear troughs that create a more tired appearance. In experienced hands, treatment should take about ten minutes to perform, the results immediate, and typically engenders little to no significant downtime.
And, if any one tries to sell you on expensive fraxel lasers, RF devices, etc., keep in mind that the hard science to back up the use of these gizmos lags well behind the heavy marketing and social media buzz to promote them. So, exercise a hefty amount of "Buyer Beware!" when it comes to those treatments.
Hope this helps and best of luck.

Based On your posted photos, it appears you have a jowl effect. My recommendation would be an anti-mini facelift with muscle plication fee $5000. Best of virtual consult with.