Hi Steve,
Sorry I haven't had a chance to get around to answering your posting until now. I hope you see this in time for me or others here in the forum to be of help.
You may want to start a new forum thread to describe your situation in more detail, with things like when you were diagnosed and what has happened to some of your key lab results since your diagnosis. I'm thinking things like your M-spike, free light chain levels, and perhaps your bone marrow biopsy results (plasma cell percentage).
If your doctor is recommending that you do a stem cell transplant, it's almost certain he feels that you no longer fit the criteria for having smoldering myeloma. Or, to put it differently, he thinks your disease has progressed to symptomatic multiple myeloma.
I doubt that he decided this based solely on the chromosomal abnormality you mentioned. Instead, there probably were changes in your free light chain levels (and ratio), or the plasma cell percentage in your bone marrow, that convinced him that you've progressed.
But, like I said, it's hard to know without seeing some of your key lab results.
You probably already know this, but the criteria for diagnosing smoldering multiple myeloma and symptomatic multiple myeloma changed last year. The new criteria are described in this article:
https://myelomabeacon.org/news/2014/10/26/new-multiple-myeloma-diagnostic-criteria/Finally, a myeloma patient's chromosomal abnormalities can change over time. They are not set in stone. So the fact that you have the 1q21 gain now does not mean an error occurred when you were tested earlier. Instead, it probably means that your myeloma has evolved so that it now has this abnormality, most likely in addition to whatever abnormalities you had in the past, if you had any.
Good luck!