Extend your SEP contribution deadline 6 months.
Just a note of something that I learned a few years ago. If you are self employed and have a SEP-IRA, solo 401k or a SIMPLE IRA, and you file an extension (now valid for 6 months), you have until the extension deadline (now 10/15) to contribute to your SEP. From irs.gov:
http://www.irs.gov/Retirement-Plans/Retirement-Plans-FAQs-regarding-SEPs-Contributions
Depositing and deducting contributions
When must I deposit the contributions into the SEP-IRAs?
You must deposit contributions for a year by the due date (including extensions) for filing your federal income tax return for the year. If you obtain an extension for filing your tax return, you have until the end of that extension period to deposit the contribution, regardless of when you actually file the return.
If you did not request an extension to file your tax return and did not deposit the SEP plan contributions by the filing due date for that return, you are not allowed to deduct any SEP plan contributions on that year’s return. The contributions may be deducted on the following year’s return.
If you improperly deducted SEP plan contributions on your return, you must file an amended tax return as soon as possible.
This means if you don’t have the cash on April 15, you can just file 4868 and have an extra 6 months to fund the account. Be mindful that the account needs to be established in the tax year you are taking the deduction, so if you haven’t set it up yet, do it now for 2014 and you can have until Oct, 15 1015 to fund it! Roth and traditional IRA contributions do NOT get this special treatment.