I feel very sad for you, puppy. And I think I somewhat understand. I had a long therapy and my T chose to retire due to a health crisis, which was not assumed to be imminently fatal. As hard as it was, it was the right thing for him to do both for himself and his clients. While it's understandable that your T wants to continue, I think it's only helpful to her clients if she's working with them toward termination. But it doesn't sound like that's what you were doing. What would have been the conceivable result if you didn't choose to terminate now? One day, she just wouldn't show up for a session, or you would get a phone call? That's not fair to you. Perhaps your action will cause her to rethink her decision and choose to retire. If she would do so, and she were willing, maybe you could stay in touch through e-mail, not as therapist/client, but simply as two people who share a mutual affection and concern for each other. That's been my situation for many years, and it can be rewarding for both of you. I really hope you can find a way to be comforted through this.