Seventy-three percent of Baby Boomers who own a traditional IRA are not planning to convert it to a Roth IRA in 2010, when the previous household income limit of $100,000 will be eliminated, USAA Wealth Management found in a survey. Any investor who converts in 2010 will have two years to pay the taxes.

Among households with an income of $100,000 or more, 57% don’t even know that the income limits on Roth IRA conversions will be eliminated. Sixty-two percent don’t know that if they do make the conversion, the money will be subject to tax.

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