Hi Roger. This problem with <br> or other tags inside a ref was accidentally introduced in a recent WikiTree software update, and a fix is being worked on. See this link.
It shouldn't matter whether you use <br> or <br/>. Technically the latter may be more correct, but both work under normal circumstances.
Have you tried using colons at the start of lines to indent within <ref>...</ref> (assuming that's the "named text" you mean)? I'm not sure whether that will work or not. If it doesn't, I fear indenting there may not be possible.