Everyone is different but I can tell you what works for me:
I took my regular five-day lifting schedule and condensed it to down to only three evenings each week (Saturday, Sunday, and Tuesday).
Three days a week I do cardio after work (Monday, Tuesday, and Wednesday) and three days a week I do cardio about 30 minutes after I wake up (Sunday, Thursday, and Friday) at low-to-moderate intensity.
I restrict calories and carbs Saturday night through Friday late morning.
I take a stim and a 3,3 dio product -- once before breakfast and then again about nine hours later.
For me, this translates into fat-loss without noticeable muscle loss.