Should I Annuitize Just the Deficiency, Use My Wife's Income Our Cash Until Social Security?

Should i annuitize just the defined benefit, use my wife's income our cash until social security, or annuitize both pensions. Then draw from the assets two grown children, self sufficient, but we would like to leave something to them to help fund grand kids education. Your thoughts? You know, george, i think there's one that mark and i have been talking about ever since we got this kind of a question.