<prompt> Human: Ive read that I can contribute to a Roth up until the tax deadline, but what if I dont have an account open yet? I have about 5k that was contributed to a taxable account with Vanguard in 2015. Is there any way for me to create an IRA now and move those funds over and count that as a 2015 contribution, or I missed my shot?  <response>: You can count the contribution for 2015, theres no problem there. Youll contribute a non-deductible contribution for 2015 and report it on 2015s tax return. The conversion itself will be reported for your 2016 taxes, but that wont cause a problem unless you acquire pre-tax trad IRA contributions by Dec 31, 2016.Edit: You might find this useful: 