Through April 15, 2013 you can contribute for the 2012 tax year.
From Jan 1 2013-April 15 2014 you can contribute for the 2013 tax year.
The 2012 contribution limits are $5000 if you are under 50, and $6000 if you are 50 and over.
The 2013 contribution limits are $5500 if you are under 50, and $6500 if you are 50 and over.
So if you are age 35, you can put $10,500 into a new account today, and meet your limits for tax years 2012 and 2013.
Vanguard. Go with Vanguard.
So today you can open an account with $