Warm
Gold, peach, or yellow in the skin. Start with a warmer BB Cream, then a lip with orange in it.
Cool
Pink or blue in the skin. Keep the base cleaner, then pick a lip with berry or true red.
Neutral
A mix of both. You can wear either. Start with BB Cream in Dark if you need coverage and glow.
When the base is right, Hot Lips does the rest.