Thanks for all the advice... looks like I just have to keep digging round here and learning to be more financially savvy. Still don't have a well thought out plan in place to FIRE, but I'm working on it.
ERD50, thanks for the steer wrto FIRECalc. I will run the numbers as you mentioned... see what the results look like.
First order of business is to work on getting out of the annuities. What options should I be considering for at least a portion of my portfolio to generate a predictable income? That was what made me susceptible to annuities. And yes, an agent steered towards annuities.
In general, is it better to wait till "maturity" or bite the bullet and get out of the annuities now?
To answer some of the other questions...
My 60/40 allocation is broken up as follows - 40% Bond/Managed Income fund, 35% S&P 500 Large Cap US, 10% Foreign Stocks, 7% Emerging Market Stocks, 8% Small Cap US
No pensions coming my way. So the returns from our investments is pretty much it. I am eligible for SS when I'm 67 or thereabouts. At last calculation it was $30K/year.
Medical (till Medicare kicks in) for DW and me will be self-funded, over and above the $60K. DW and I are in very good health... no pre-existing conditions. I will be pricing out coverage for us in the next month or two and will adjust FIRE expectations based on the cost of health coverage.