If it is step 2 (typically 5-7 days, rack at SG 1.01) then ok to rack at SG 1.01 or lower.
If it is step 3 (typically 5-7 more days, at SG below 0.996), then check the SG, and if unchanged for 2 days, then ok to stabilize and add fining agents, regardless of how many days it takes.