Off-cycle internship advice for SA 2020

I am a transfer and rising junior and plan on delaying graduation by a year so I can apply for SA 2020 recruiting. I've had an accounting internship last summer and decided to independently study IB this summer (behavior/technical, modeling, etc.) .

Should I be looking for an internship for this summer or perhaps an off-cycle internship when school starts? In the case of an off-cycle, I would be networking with small boutique shops in my area. Should I contact them now for an internship this summer or in the fall/winter? Attach resume to email or try to get informational first with these shops?

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