Best way to end a relationship

Regardless of the messed up situations I've gotten into,
I've thought about it and my partner and I are not a good fit for long term:

1. Despite knowing how important it is to me, he does not want to get married although he keeps promising.
2. He doesn't want children - not even to adopt. I've thought about and thought I might be okay with it but after a conversation with someone I've realized that I do want to be a parent one day.
3. He doesn't really get me and has the emotional capacity of a pancake. We are moving at the moment and he keeps pushing me to sell objects I inherited from my father. He cant understand why that would hurt and a lot of the time it feels as if he just uses me.
4. The out of control situation - I feel that if he did care about me he would not be okay about what happened.
5. He keeps saying he wants to die young and I want to grow old with someone.

I do love him a lot and I don't want to hurt him but I shouldn't sacrifice potential happiness, right? And I am very unhappy. It's been a rocky relationship and there seems to be no light at the end of the tunnel.

I'm super scared of being alone and I will miss him and worry about him but at the end of the day I feel miserable right now, like I'm missing out on so many life events.

He is in a tough space right now financially and I dont know if I should wait until he gets on his feet. I dont want to be awful to him.

I also dont want him to think its because I am gunning for his friend because that's not the case. I think it just showed me a different way of being with someone that by happenstance put things into perspective.

What's the best way to go about all of this without coming across as a b?