Is a Tummy Tuck the only way? just want to flatten belly and lose the love handles

A tummy tuck does 3 things that you can't accomplish with diet and exercise: First, it removes any localized fat in the abdominal area; you can't "spot reduce" with exercise. Second, if the muscles have been pushed apart from the pregnancy (what is called a diastasis), they cannot be pulled back into place with exercise. Third, if the skin is loose, particularly if you have stretch marks, it will usually not snap back. I would encourage you to get in good shape though so that you know that you have done what you can for yourself before deciding on the tummy tuck./

See the video below for the various tummy tuck options available. In the meantime, consider flattening the stomach using a Yoga or Pilates regimen of core strengthening exercises.