I've never been the one to initiate termination with any of my long term therapists. I did mutually agree to terminate with a therapist I saw four times last summer as we just weren't clicking, and her style seemed too abrasive for me. I think I will know that I'm ready when I'm dealing with stuff in my life without the feeling of needing therapy to get through it. But that is just a guess since I've never been at that point. I hope you can talk through it with your T and come up with the right answer for you at this time.