This guide can help u learn how to do trasfer
Click on FORGE
Now TRANSFER
When u click it will open a new window
On the right side u will see your equip E and what u have in bag. Now u see i have 170 refi on mine and on other 0.
I click on both and u see that mine 170 will be transfer to other one. Then click transfer.
So every time when u get new equip use this and u will have more and more refine on your armor
Some quest from Ginn give u equip with +5 refine, Mob drop +4 some +5 so before u use your refine stone use transfer to max armour to +4 or +5. Then use refine stone and in some part of game u will have like me 170 refine. U max now to +5 and use refine to rise to +6 and u get new equip use transfer from old to new so u will have on new equip +6.
I hope this guide is helpfull. Enjoy the game