Although you don't have SS yourself, you can claim 50% of your wife's; She can do "file and suspend" and wait till age 70 to get full SS. This may help you reduce the annuity to produce income after 70 therefore you can withdraw more between 55- 66.
We all have multiple income sources (rents if still love TF; IRAs, 401Ks, possible pensions, Social securities, non-retirement accts,,,,,,,,) to fund retirement; need strategy to decide which part to touch first in order to max income while minimize risk (market risk and longevity risk).
We all have multiple income sources (rents if still love TF; IRAs, 401Ks, possible pensions, Social securities, non-retirement accts,,,,,,,,) to fund retirement; need strategy to decide which part to touch first in order to max income while minimize risk (market risk and longevity risk).