Transfer timing

I'm currently finishing up my freshman year of college at a non target school and I am planning on transferring over to a semi target that places well in the Chicago area for IBD. I am wondering when I should transfer over. It's to late to transfer for this upcoming fall semester. Should I transfer in during the spring semester or wait until I finish my sophomore year before transferring over. How would staying at my current non target school affect summer internship opportunities compared to transferring over during the spring semester?

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