Don't rush it. Yeast hate to be rushed. They know you are thinking about racking, but they want to do a good job, so now they are rushing to finish and making silly mistakes. Noone works well when rushed, especially yeast. Go let them know that if they need more time they can have it. They will reward your generosity and patience with great beer.
Even if fermentation is complete, the yeast are still busy. Give them a little time to clean up shop. They will collapse the foam when they are done, letting you know it's time to take a look at their work (gravity check). If you like what you see (no gravity changes for a few days and a happy FG) THEN rack. Not before.