^^^I am still waffling on when to retire and when to start drawing SS. My wife will likely retire at the end of this school year. I had always thought that I would retire within a year of her, but that in large part depends on healthcare insurance. She will be eligible for Medicare next year, but I am not eligible until 2025. Part of the reason I bought the annuity was to help cover any monthly healthcare insurance costs after her retirement.
In terms of SS, I am leaning towards not waiting until FRA, since SS will cover a chunk of monthly expenses, thus reducing the amount withdrawn from the retirement accounts, allowing them to keep accumulating a return. On Bogleheads, the usual consensus is that anyone who starts taking SS before age 70 is an idiot, if you can afford to do so.