I might put a boxer back on if it's too cold or if it seems like we will be talking a bit longer but I usually put a bath robe on  

or cover my self and my one inch schlong with a big towel

it's time to lose the clothes.  I sorta like her to help me disrobe while I do same for her.

Johnny, if you have not read the self help center, do so asap.  It won't answer this question, but there is a lot of valuable info for you in there.

Swim

It's your session and entirely up to you.  That said, most GFE girls would like to spend at least a brief period chatting.  I don't usually let that go on too long, because she looks so damn good I've got to eat her up.  Don't worry, she'll give you some cues.

Just let things progress, and if she says "get comfy" while she is getting ready, then get ready to rumble.  
If she leads you to the couch for a chat to get you relaxed, just start with your shoes.    You'll know.  
Have fun out there!

...why are you still wearing clothes?  (It has happened to me) then you should know it is time.

Having my fourth encounter earlier today, I have simply mirrored the ladies. When she takes her shoes of, I take my shoes off. When she takes her shirt off, off comes my shirt and so on. This may not always be my approach but for now it's helped with the awkwardness of having no idea what I'm doing.

She will say something like why don't you get comfortable or would you like to take a shower which is a good idea anyway on an in call visit.