<prompt> Human: Hey Reddit,I want to prepare my IRA account for 2015 contributions to begin January 1, 2015--Does anybody know how I go about this? Vanguard Ive been looking all over the website for 2015 contributions, etc. and Im not seeing anything. Thanks.  <response>: Id just request the transfer on Jan 1st. you probably wont be able to do it before then. 