I do not believe the time-to-transition is set-in-stone for every case. A person who already naturally passes as their desired gender (there are many folks who are beautifully Androgynous) will probably not mind waiting a year to get surgery and hormones, if they even need them at all. However, someone who's just on the extreme side of their biological sex usually needs some type of physical reassurance and change before they can realistically and confidently start the process; especially in a conservative area where noticeable transgenders may be harassed. In some cases, a person may have to get all sorts of FFS changes and hormone changes before they can start the social process at all; many users on here very positively vouch for this method, including myself.
I also find that the process depends on how educated a person is. Obviously there are people who may know nothing about this process and may need an entire year to talk about the transition. However, there's plenty of professionals who have moderated and counseled identity peoples for years, such as myself, and know absolutely everything there is to know about the psychology behind the process. Quite literally, someone who has enough knowledge to be a qualified therapist (if you could simply take a qualification test instead of wasting money on college), they don't really need to spend much time with another professional; oftentimes these types of patients are even more up-to-date on modern studies than the professionals are themselves, which can created a very hassled process where the therapist wants to "get revenge" on the patient for the patient knowing more than they do.
So quite plainly, if you feel your transition is burning your time, and your therapist hasn't brought up any "real" reasons they think you should wait, then find a different therapist and ask for a refund from your current one (by all means, threaten with legal action if you feel your therapist isn't following professional and accepted guidelines, there's no excuse for a therapist to earn $1,000 off someone for emotionally abusing them. She is haggling you for money and may even be holding your letter as "ransom" for this money. Tell her that you'll have your lawyers look into the situation, even if you really don't plan to.)