Here are three types of retirement vehicles to which you can still make contributions for 2013:
Traditional IRA: The deadline for contributing to a traditional IRA is April 15 or when you file your taxes, whichever comes first. You have until that deadline to open an account if you don't have one already.
Roth IRA: The rules are the same: You can open a Roth IRA account and make 2013 contributions until you file your taxes on April 15.
SEP IRA: This option, which stands for Simplified Employee Pension plan, is for anyone who has income from self-employment or for small businesses. You can set up and contribute 2013 money to a SEP-IRA through whenever your taxes are due, even if you take the maximum extensions, meaning Oct. 15. Taxpayers with self-employment income can contribute up to $51,000 a year, or up to 25 percent of net earnings from self-employment.