Begin with respect and a shared goal. Ask what still works, what feels harder, and what would make a future home easier.
Frame downsizing as simplification: less yardwork, fewer repairs, fewer rooms to clean, and fewer bills. If debts are stacked, consolidation could help; compare terms carefully.
Some experts suggest starting 6-12 mo before moving. Use short, regular sorting sessions, beginning in less sentimental spaces, with keep, donate, sell, and discard piles.
Give important records their own folder: financial statements, insurance policies, medical records, tax forms, estate planning documents, and key contacts for advisors, attorneys, and doctors.
Keep the belongings that matter most, use photos or digital archives for other memories, and center the move on comfort, independence, and control.