I have a few techniques, I start with some chocolate or some fruit, today I gave two punnets of blueberries. Then the dosh and then get naked and then maybe offer a massage but sometimes by then she has already snogged me for the chocolate.
Sometimes I have to nip out for a quick pee but I always make sure I have my trousers on with wallet inside pocket.
Also I suggest in preparatory emails that she 'has no need to dress up for ma (or even dress at all!)" and since fancy underwear does not do it for me to be greeted by a lady starkers under her robe breaks ice very well, get her face down on the bed, head towards me, bring out the organic moisturiser and massage her back and get my fingers smoothly into her rear end naughty bits and away we go. Melted.