Every situation will differ according to the relationship and demeanor of the person in question. Cater your approach to the individual, and go into the conversation with the goals of expressing your concerns and listening to theirs. Your loved one is an adult, and should be treated as such. Make sure they feel respected, and understand your concerns are being made purely out of love.
Put yourself in their shoes. Soon enough, you may very likely be in their position. Listen to their concerns or fears, and try to come up with a solution that best represents their interests. Take it slow, and keep an open mind. Your loved one will understand best if they see you being patient and empathetic to their needs. A gentle approach is often the most effective.
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