If your long-term therapist does not feel competent to continue with the work or to help anymore, why would she not then refer you to someone else who could potentially help you? And why, if she feels she can no longer be of help, would she continue to see you for another 6 months? Another six months of not helping? I don't really understand her logic or reasoning there.

Frankly, based on those quotes from your therapist (though they are out of context, so who can tell) you might be better off seeking another therapist anyway.

Are you asking if it is unethical for you to see another therapist? No, it's not unethical--you can do whatever you want!

But I don't think a good way to start off a new therapeutic relationship is to be secretive about key, essential information that a therapist would need to really help you. You are going to this person for help! If you hide the main reason you are seeking out the therapist, I think it's a bad start.

Why not "test" your new therapist by being honest. Simply say: "Look, I am scared and ashamed to talk about this, but I need to tell you what is really going on with me. My 'long-term' therapist is terminating me in a few months and I am finding it to be so difficult to deal with or even talk about." And see what the therapist says.

And, furthermore, why not go to your current long-term therapist and say, "I have started to see an additional therapist to help me during this time of termination with you." Why not? You can do whatever you want! You don't need anyone's permission.

I think you'll feel better, though, if you are acting openly with all parties.

It is normal to be deeply affected when a long-term therapeutic relationship ends. This ending sounds very hard, in part because it seems to be unilaterally imposed by your therapist for reasons that I do not understand. Still, though, I don't understand the source of your fear or shame in saying that your therapist is terminating you. Maybe you could articulate it? I think you definitely need to articulate it to your new therapist, and get some support for this! I really see nothing to be ashamed of here. It is OK to need emotional support. It is OK to ask for it. Speaking your fear and shame aloud can rob it of a lot of its power.