I've filed my taxes for 2013 already and my wife and I have received our refund. We are under $181,000 MAGI for 2013 and expect to be below it in 2014. I have a work sponsored 401k retirement plan, she does not. She has a traditional IRA. It's before April 15th and I'd like to open a Roth IRA for myself and drop $5,500 into it to cover the 2013 limit.
I don't think I'll have a problem opening it - I'm under the limit and only have a 401k that my employer contributes to. Is there anything else I need to consider from an eligibility perspective?
I've already filed my taxes for 2013. How do I make a contribution to a new account for 2013? Is there a special process?