Jamie, I see you've been a member here for nearly 6 years. I don't know how one lives as a female after living 65 years as a male.
• I'm guessing you want to present as a woman in public every day?
• You're retired and want to do what's been on your mind all these centures right?
• Do you feel that you're a TS rather than a CD?
• Would this new life include dating men, women, other?
Maybe finding the right therapist would be the first step. Or maybe you should leave town for a weekend to give this idea a trial run. You would probably have to make up a reason for a weekend getaway to your wife or tell her the truth.
This makes me think of the movie "Normal" with Tom Wilkinson, but she made the decision after 25 years of marriage. Rent the DVD and watch it with your wife?