Thanks dmertz;
This is the answer that I have received from a few sources.
I see that when planning to make the transfers, we did not ask enough questions to get at the problem of what are called "custodial transfers" covered by the 1035.
It looks like I have to accept that we made a bad error in the transfers. I hope others reading this and planning transfers of any type ask a lot of questions first.
v/r
Old Skier
