I had no rubbing against the steering stops with the washer above the upper race on the lower bearing. This was the problem however. Also, of the two washers supplied in the kit, only one would fit on the bottom of the stem - the thinner one. It has an I.D. that would fit around the bottom of the stem. The thicker washer was made to shim the upper bearing which has a smaller I.D.. That being said, I fixed the problem and the bike rides great now. Feels much lighter than before. Thanks for all the help.
Andy