12 month rule for IRA transfers - Help

I am a user of Turbotax since it was first released.  I didn't have a clue about the 12 month rule and when I read it, it leaves me in the dark.

My 403B went into an IRA CD for 36 months. When that ended I moved to an IRA Savings account at the same credit union earning nothing and waiting for some miracle to earn interest again to come along.  It never did so I moved it to Schwab and planned on investing in Bonds.  Not a dime was withdrawn from this money at any time.  

After months of study and analysis of corporate bonds, I came to the conclusion that the risks related to earning 6% were not worth it when I can buy an Annuity Contract for 5.5% for ten years.  Now I read there is a rule that I cannot transfer the money more than once in 12 months?   I want to buy the annuities, but now I am concerned that I will trigger some tax event.

The other thing I did that compounds this problem is I moved a second 403B (for a different employer) I had into this same Schwab IRA a week ago.  That was 403B to Traditional IRA so I am hoping that is not considered a transfer.  If it is, then I am really up the creek.

I am 65 and retired and need income now so I am in a jam and any help would be greatly appreciated.