The ision of RHF (Retirement Housing Foundation),
is a society in which all persons have quality,
affordable housing thus reducing the difficult choices
which would otherwise need to be made between the
basic necessities of life.
The M ission of RHF, a national nonprofit organization,
is to provide various housing options and services for older
adults, low income families, and persons with disabilities,
in an environment which enhances their quality of life -
physically, mentally, and spiritually.
RHF is committed to serving its residents
and their local communities.
Table of Contents
President’s Message ...................... Page 4
Chairperson’s Message ...................... Page 4
2008 in Review ........................... Page 6
Growth in 2008 . . . . .. . . . . . . . . . . . . . . . . . . . . . Page 8
Looking Forward . . . . .. . . . . . . . . . . . . . . . . . . . . . Page 14
Social Accountability . . . . . . . . . . . . . . . . . . . . . . . . . . . Page 16
RHF’s Leadership Team ...................... Page 20
Financial Highlights ...................... Page 22
Chronological Listing of Communities ........... Page 24
Housing and Services Information ................. Page 28
Fund Development ...................... Page 30
Our Donors ...................... Page 32
Each year the Annual Meeting Planning Committee selects a theme for the
meeting and the entire year. Two years ago it was The RHF Mission: It’s
All About People. Last year it was People: The Heart of RHF This year
our theme is Lighting People’s Lives. Light is a necessity of life in many
ways. In the Bible creation begins with, “Let there be light.” In the sermon
on the mount, Jesus reminds his followers, “You are the light of the world,”
and He tells them to let their light shine, that is to be a helpful, hopeful
influence on everyone around you.
In reporting her social accountability statistics, one of our managers wrote,
“I offer help and support to those who may be down or looking for direction.
I try to live as an example and spread God’s light to the best of my ability.
One of our residents who takes her morning walk in the halls always tells
me she feels she lives in her very own castle. I feel blessed to have a job
where service is ‘built-in’ and I know all the good we do. Even the very
small things count and mean a lot to those we help. I always try to treat
each resident the way I would want someone to treat my mom.”
2008 was a very busy year for RHF; but due to our size (157 communities) it is always busy. The demand for
affordable housing, assisted living and skilled nursing services is always increasing, and it is RHF’s mission to
serve the people that need housing and medical services.
In 2008 RHF completed construction and opened Bexton Place in San Antonio, Texas and Harvest Pointe in
Loveland, Colorado. Under construction in Pagedale, Missouri is Mt. Beulah Terrace. In the development
pipeline are Village Gardens, Norfolk, Virginia; Broadwood Terrace, Paloma Terrace, The Whittier and Los
Alturas in Los Angeles; and Harshfield Terrace in Quartz Hill, California.
MacArthur Park Tower and Harbor Tower in Los Angeles have been rehabbed; and Angelus Plaza, the largest com-
munity in the nation, has started its rehab. Pioneer Tower in Sacramento is also in the rehab development stages.
In addition, we received HUD funding for one more affordable housing community, located in DeKalb County,
The Social Security Administration estimates 10,000 Baby Boomers a day applying for benefits for the next 20
years. Many of those Baby Boomers will soon start applying for affordable and market rate apartments across
the nation. Many will not find the housing they need and can afford due to HUD’s inability to fund what is
RHF is constantly being contacted by municipal and state governments, churches and private individuals offer-
ing property and/or funding to assist RHF in building and operating more housing. Some of these offers do
come to fruition and others just won’t work out.
We are fulfilling our mission but the increased demand is never-ending.
RHF’s business is to make reasonable, responsible, and strategic stewardship and RHF Fast Facts:
operational decisions. Our mission is to help light people’s lives – residents, - Employs 2,708 people
families, team members – and to make the geographical communities and the throughout the United
world a better place to live. It is not a one-way street, because all of the above States, Puerto Rico and the
also light our lives and the lives of others by what they say and do. U.S. Virgin Islands.
In terms of the mission and business balance, here are some of the highlights of - almost 17,000 people call
an RHF community “home”
the past 12 months, February 1, 2008 through January 31, 2009:
- opened Harvest Pointe
• We celebrated our 47th Anniversary with a national management conference in Loveland, Colorado
for administrators of our market-rate/healthcare communities, directors of nursing, and Bexton Place in San
and assisted living managers. The Southern California and Northwest affordable Antonio, Texas
housing managers also held their regional management education conference - dedicated Farrfield Manor
as part of the annual meeting. The other four regions held their management in Columbus, Georgia
conferences at other locations during the year.
- 82 of our communities
The annual meeting is a time when we conduct corporate business and we now have full or part time
welcomed delegates from RHF community boards and several United Church of Social Service Coordinators
Christ (UCC) Conferences. The annual meeting worship service was hosted by
Community Congregational UCC, Los Alamitos. The Rev. Dr. Frederick Trost, - RHF invested almost
$1,000,000 in education and
Retired Conference Minister of the Wisconsin Conference, was our guest preacher.
skill improvement for our
At the annual business meeting, Frank G. Jahrling was elected to his first term on 2,700 team members.
the RHF Board. He brings nearly 40 years of experience in the banking industry,
most with the First Hawaiian Bank in Honolulu where he lives. His wife Roberta - Seven RHF communities
also joined the RHF Advisory Commission. Re-elected to three-year terms on the were recognized as being
“The Best” in their local
national Board were Raymond E. East, Jean G. Dremstedt, and Darryl M. Sexton.
The anniversary banquet was held at the Sheraton Cerritos Hotel and several
awards were presented. Union Bank of California Foundation and its President - More than 60 RHF
and CEO Carl Ballton were honored with the 2008 Friend of the Elderly Award residents are over the age
for outstanding commitment to the elderly and long-time support of RHF’s mission. of 100, with Elsie Roberson
Grace Jerovitz, a resident at Valley View Apartments, Manitowoc, WI, was named celebrating 106 years of
Resident of the Year for all she does for Valley View and the Manitowoc community. age at Harbor Tower in San
She gives back in many ways such as going to the Manitowoc Senior Center
every day to prepare meals for the Meals On Wheels program. Beatrice Flucas
was recognized as Volunteer of the Year for her untiring work at North Capitol
at Plymouth, Washington, DC. She commutes from Baltimore to North Capitol
twice a week in order to teach sewing and arts and crafts. She provides the supplies for these activities and sometimes
also brings lunch for the residents. Robert Mauer, Administrator of Auburn Ravine Terrace, Auburn CA, was named
Administrator of the Year for his success in making this residential, assisted living, and skilled nursing community the
premiere three-level community in Auburn. Linda Forsberg, Manager of 300 Main, Estacada, OR, was named Manager
of the Year for her leadership not only at 300 Main, but also in the Estacada community. We also recognized our major
donors at our banquet (see page 33).
2008 In Review
• During this period, two of our active managers passed away: Violetta Carter,
Manager of Bennett Place, Pittsburgh, PA since 2002, and Frank Casados,
Manager of Guadalupe Senior Apartments, Denver, CO since 1991. Bill
Shoop, who served as Manager in a variety of communities from 1987 until his
retirement in 2005 also died, as did Bob Wilson, the first Administrator of Sun
City Gardens. Advisory Commission Emeritus member Gertrude Chapman, who
was the widow of the late Board Chair Rex Chapman and Alan Furuta, a long-
time friend and supporter of RHF first with Sumitomo Bank and later California
Bank and Trust also passed away.
Perry Glenn joined the RHF management team as Southern California
Regional Manager, as did Chinyere Dike as Manager, Business Analysis. Frank
Rossello was promoted to Vice President/Controller, and Brian Magnone to
Vice President of Treasury, and Kevin Gilchrist was promoted to Director
of Development Finance. Bill Meert transferred from Administrator at Sun
City Gardens to Nurse Consultant for the West Coast Region. Dee Hammer,
North Central Regional Manager, achieved the Certified Property Manager
(CPM) designation from the Institute of Real Estate Management (IREM).
Christopher Mullen, Information Technologies Business Applications Manager,
earned a Master of Science in Health Care Management degree from California Evelyn Espinoza, a resident of RHF’s
State University Los Angeles. Ken Kaser, Administrator at Colonial Heights Rio Vista Village in Los Angeles,
and Gardens, earned a Masters degree in Business Administration (MBA) California won the Merrill Lynch/ NFTE
from Miami University in Oxford, Ohio. Greater Los Angeles Regional Youth
Business Plan competition in 2008.
We thank our 2,708 team members (1,677 part time and 1,031 full time)
and our 250 national and local board members, as well as our 52 advisory In the past, Evelyn has been the recipient
board members for helping to make the mission a reality in the lives of almost of grants from RHF’s Children’s
17,000 persons 24 hours a day, 7 days a week. One hundred four of our Education Fund.
team members work in the headquarters office and seven in regional offices.
• Seven of our communities were recognized as the best in their area by
news media polls: Bishop’s Glen, Holly Hill, FL; Crescent Manor and Mesquite
Gardens, Mesquite, TX; DeSmet Retirement Community, Florissant, MO;
Gold Country, Placerville, CA; Monona Meadows, Monona, WI; Westminster
Village, Clarksville, IN; and Mayflower Gardens, Lancaster, CA. This is the
fourth consecutive year that Gold Country has won this award and the eighth
year in succession for Mayflower Gardens.
• RHF has its own personal experience that, thankfully, people are living longer today. We have more than 60 persons
residing in our communities who have celebrated 100 or more birthdays, with the oldest being Elsie Roberson at 106 at
• RHF has several affordable family communities, and we were pleased that Evelyn Espinoza who lives with her family at
Rio Vista Village in Los Angeles, won the Merrill Lynch/NFTE Greater Los Angeles Regional Youth Business Plan competition. This
event is sponsored by Merrill Lynch Foundation and the National Foundation for Teaching Entrepreneurship. A senior at
the Soledad Enrichment Action Girls Academy, she has been in various business endeavors since she was eight years old.
Gold Country Retirement Community
is located in Placerville, California. It
offers Independent, Assisted Living,
Memory Care and Skilled Nursing on
its 14-acre campus.
For four years in a row it has been
voted “The Best Retirement Community
in Placerville County” by the readers
of California’s oldest newspaper - The
RHF lost a longtime member of its family this
year with the passing of Gertrude Chapman at
the age of 97.
Gertrude and her husband, Rex, were longtime
members of the Advisory Commission and
National Board (respectively) for more than
25 years and saw RHF through a period of
• In keeping with concerns for safety and air quality, we began implementing a no-smoking policy in all of our buildings.
For the past several years, the new communities we have opened have been smoke free.
• We completed the third round of resident satisfaction surveys whereby every community is surveyed on alternate years.
Fortunately, our scores improve with each survey.
• Our Corporate Compliance Officer and our Nurse Consultants conducted 17 extensive on-site compliance training
sessions in our market-rate communities for more than 1,400 team members. The Conflict of Interest Policy was also
revised. Everyone signs this policy annually.
RHF Continues To Grow
• We started and completed construction on Harvest Pointe, 80 apartments
in Loveland, CO, and Bexton Place, 55 apartments in San Antonio, TX. We
started construction on Mt. Beulah Terrace 40 units in Pagedale, MO. We
also began the conversion of several residential units at Mayflower Gardens,
CA to assisted living, so that Mayflower will have not only residential and
skilled nursing, but also this new service on its campus.
• We dedicated Farrfield Manor, a 75-unit community for older adults in
• We completed $18,800,534 in rehab work on Harbor Tower and
MacArthur Park Tower, both in Los Angeles, the former with 180 apartments
and the latter with 183 apartments.
• In addition to new construction and major tax-credit rehab, in 2008 our
communities invested more than $8,650,000 to maintain, upgrade, and
improve our existing properties.
• We were selected by the Evangelical Lutheran Good Samaritan Society
to receive Desert Sage (Hermiston), their only affordable housing project in
Oregon. It is a 28-unit senior housing community. The HUD transfer of
physical assets is now in process.
Fifty National Board members,
• We signed the initial purchase papers to start the acquisition process for Advisory Commission members,
Riverside Village, a 312-apartment family property in Leominster, MA. Regional Managers and staff
from the National Headquarters
• We refinanced our national headquarters building in Long Beach, acquired met together to discuss RHF’s
some sites for future development in Los Angeles, refinanced a 26-acre strategic plans.
parcel next to Courtenay Springs, and received notice that we had received
an award of $5,626,200 from HUD to build a 59-unit 202 and tax credit
project in Lithonia, GA, our fifth property in Georgia.
• Among many other responsibilities, our Occupancy Department worked
with HUD to renew subsidy contracts for 90 of our HUD affordable housing
• This is the age of information technology. During the past 12 months we
installed the Great Plains software update, completed Resource Tracker (MDS)
software, installed RiskWatch/CareWatch software and launched Move-N
marketing software in all of our healthcare communities, replaced computer hardware company-wide, replaced the security
system at the national headquarters, and expanded our centralized server from 50 to 100 servers.
• After considerable discussion, the RHF Board approved a revised Mission Statement which is printed in this annual report
and has been distributed to all of our communities. The mission has not changed, but it is expressed more concisely.
• RHF received $448,000 in financial gifts, and our communities received $156,000, as well as in-kind gifts for a total
of over $604,000. We continue to be registered in all states where we solicit funds.
Harvest Pointe is our third affordable
community for older adults to open in
Colorado and our first community in
This 80-unit community has a number
of one-bedroom units specifically
designed for mobility-impaired. A
community room with kitchen, on-site
laundry facilities and crafts room are a few
of the amenities that this building offers,
RHF’s national headquarters is located in Long Beach, California. More than 100 employees in
the areas of Accounting, Business and Fund Development, Law, Data Processing, Information
Technology, Finance, Corporate Compliance, Human Resources, Operations, Risk Management &
Quality Assurance, Public Relations, Project Development, Occupancy, Internal Audit, Payroll and
Administrative Services support its 157 communities throughout the country.
• Our strategic plan was updated under the leadership of RHF Board member Dr. Teri Kawata.
• During the 45th Anniversary celebrations in our buildings, residents repeatedly asked whether we would consider
producing a line of jewelry with the RHF logo. Maggie Engelberg, Administrative Secretary and Travel Coordinator at the
national headquarters office, took on this project and we now have pendants, cuff links, and key chains that are available
at a reasonable cost.
• The Asset Management, Corporate Compliance, and Risk Management Committees met regularly.
• In these turbulent times with so many economic difficulties hanging over our
national and world economy, RHF has not been immune. In 1998 RHF
refinanced a number of our market-rate communities into an Obligated Group.
In December 2007, the bond insurer, ACA, had their rating reduced from an
A- to a CCC due to its involvement in the subprime mortgage market. This
resulted in tripling our interest rate so, in the interim between December 2007
and July 2008 when we completed the refinancing, RHF paid $4.6 million more
in interest charges than we had for the same seven months in the previous year,
as well as other costs. The good news is that the financial community was so
confident in RHF’s performance and future, that, with the leadership of Brian
Magnone and Frank Rossello, the replacement letters of credit were oversubscribed.
Had we begun this replacement process later, the journey would have been difficult.
It was also a humbling experience, which reminds us that companies and individuals
may face situations in which they may be doing everything right and then be
blindsided by circumstances beyond their control.
• Another major accomplishment was the refinancing of Angelus Plaza, the
largest subsidized affordable housing property in the nation for older adults.
Through a combination of tax credits and tax exempt bonds, we were able
to close this transaction in October and to begin a $43 million rehabilitation
of the buildings and create a sizeable trust fund to be released over the next
several years to acquire, preserve, and build more affordable housing in Los
Angeles and across the nation. It took a massive effort and incredible number
of meetings, communications, and paperwork with the financial communities,
the Los Angeles City Council and Community Redevelopment Agency, HUD
Central and HUD L.A., as well as the California Debt Allocation Committee Deborah Stouff, Director of Corporate
(CDLAC) and the National Affordable Housing Trust (NAHT). But everyone Records and Corporate Secretary, and
was determined, and with the leadership of Richard Washington, Kevin Gilchrist, Dr. Joseph are with Brian Magnone, Vice
and our Project Development, Financial and Legal Departments, we were able President - Treasury as they review and
to get the job done. sign papers involved in the Obligated
• We made the difficult decision to discontinue operations and sell Plymouth Group re-financing.
Tower in Riverside, CA. This 38 year-old building had been losing significant
dollars in recent years. Because of its design it could not be reconfigured, so
good stewardship required us to make this difficult decision.
• We completed our seventh successful year with Caring Communities Insurance
Company, which has now been registered in the District of Columbia as a reciprocal
risk retention group, CCrRRG. This provider-owned company was founded by 20
nonprofits to provide liability insurance in a time when premiums were skyrocketing.
There are now 27 members. Robert Amberg serves on the board and claims
committee, and I serve on the board, executive committee, and underwriting
committee, as well as the board of Caring Communities Shared Services (CCSS). In 2005, we received an AM Best rating of
B+ well ahead of schedule, and in 2006 began paying dividends, also well ahead of schedule. RHF credits the dividends back
to the properties that paid the insurance premiums. With the 2008 dividend, which will be received shortly, the total received in
these three years approximates $2 million, which is the equivalent of a year’s worth of premium. In January 2009, both CC and
CCrRRG received an AM Best upgraded rating to B++. This success can be credited to careful screening of potential members,
good management, governance, risk management, and claims experience.
• We made significant gains in achieving property tax exemption for properties in Illinois and California that had previously
been excluded or not yet qualified following a change in the ownership structure.
- 10 -
Angelus Plaza, the largest affordable
community for older adults in the
country, began a three year, $43
million rehabilitation project on its
1093 apartment units.
Ultimately, the refinancing of this
community will create more than
$50 million to build or acquire
affordable communities for seniors
and low-income families in Los
Angeles and throughout the country.
It took a tremendous amount of work
by a significant number of people and
companies to insure that the $126 million
refinancing of the Obligated Group was
finalized. Here representatives from the
various financial institutions processed
paperwork at the San Francisco offices
of Jones Day.
• Our claims experience with other forms of insurance coverage continues to improve and, fortunately, we have had
reductions in the premiums we pay. We had the best workers’ compensation claims experience in all my years at RHF
due to diligent risk management by the Risk Management Department, our Managers/Administrators, our broker, and
insurance company. We also implemented a “wrap up” insurance program for our development projects, which helps to
reduce cost and provides better coverage.
• We solidified the triple-check process in our healthcare communities, which assures accuracy of Medicare, Medicaid,
MediCal, as well as private insurance billing, and we conducted a number of internal audits to assure ourselves that
everything is being done correctly.
- 11 -
On A National Scale
• Aging Services of California (ASC) presented RHF’s Project H.A.N.D.S.®
with the ASC 2008 Volunteer Services Award at their Annual Meeting in
San Diego. Service Coordinator Manager Judy Shaw received the award.
(See more about H.A.N.D.S. in the Social Accountability Report.)
• RHF continues to work with a number of provider organizations. I continued
my service on the Public Policy and Housing Committees of ASC and on the
Affordable Housing Cabinet and Future Membership Committee for AAHSA.
Stuart Hartman is also a member of the ASC Housing Committee. RHF is also
a member of the International Association of Homes and Services for the Ageing,
the Association of Housing Management Agents, the Low Income Housing
Coalition, and the American Seniors Housing Association.
• In September, the RHF Board and Advisory Commission visited the
headquarters of Caring Communities in Libertyville, IL, and went on to hold
meetings at the Wisconsin UCC Conference office, and then visited our four
affordable properties in Wisconsin. Once a year the Board and Advisory
Commission visit communities in various geographical areas so that they can
experience firsthand the delivery of the mission with our residents and local
• RHF and all of our communities have endorsed AAHSA’s Quality First
program. Our healthcare communities continue to receive better ratings than
the national average. Each building was challenged to develop and implement
a Quality Improvement Program and report on it at the meetings with other
communities so as to benefit from shared experiences. National Board member, Jean Dremstedt
looks over a craft project that Marcella
• I continue to chair the board of the National Affordable Housing Trust Huffstutter, a resident at Monona Meadows
(NAHT). In 1986, RHF and National Church Residences formed this nonprofit
in Monona, WI is working on.
organizaiton whose sole purpose is to preserve and develop affordable
housing. NAHT was the first nonprofit syndicator in our nation. Since then,
Volunteers of America, Mercy Housing, and the Evangelical Lutheran Good
Samaritan Society have become members. Since its beginning, NAHT has
preserved or developed 15,180 units of affordable housing in 142 properties,
and raised tax credit equity in excess of one-half billion dollars.
• In 2004, retired attorney Bill Kelly and eight major nonprofit affordable
housing members came together to form Stewards of Affordable Housing for
the Future (SAHF) to promote and advocate for national housing policies which
preserve and expand the supply of affordable rental housing. In addition to RHF the members today are Evangelical
Lutheran Good Samaritan Society, Mercy Housing, National Church Residences, National Housing Trust, NHP Foundation,
NHT/Enterprise Preservation Corporation, Preservation of Affordable Housing, and Volunteers of America. Together these
members have more than 900 communities with approximately 85,000 apartments in 49 states, the District of Columbia,
Puerto Rico, and the Virgin Islands. SAHF is called upon by members of Congress and HUD to comment on our nation’s
housing policies. As a board member, on July 19, 2008, I had the privilege of testifying on behalf of SAHF and AAHSA
before the House Financial Services Committee chaired by Congressman Barney Frank on preservation legislation expected
to be introduced in early 2009.
- 12 -
Judy Shaw, RHF’s Social Service Coordinator
Manager, and Dr. Joseph accept Aging Services
of California’s Volunteer Service Award for RHF’s
Project H.A.N.D.S.® (Helping Angels National
RHF’s National Board met with officials of the
Caring Community’s Reciprocal Risk Retention
Group at their offices in Libertyville, Illinois while
visiting RHF communities that area in September.
• Deborah Stouff completed the Diakonal Ministry Program and will be commissioned at the CHHSM Annual Meeting in
St. Louis, MO. Vice President of Healthcare Operations Peter Peabody enrolled in this two-year program in late 2008.
• We continue to work with the conferences of the UCC, CHHSM, and ecumenically with other churches, as well as cities,
counties, states, service clubs, and national organizations. Robert Amberg completed his terms on the board of CHHSM,
and Brian Magnone has been nominated to serve on the board beginning in 2009. Bob also completed his term on the
AAHSA Legal Committee, and continues to serve on the American Corporate Counsel’s Nonprofit Organizations Committee
and the ASC Legal Committee. He was named Super Lawyer for 2008. Deborah Stouff serves on the Nonprofit Committee of
the Society of Corporate Secretaries and Governance Professionals.
- 13 -
Some of the projects we expect in the coming year:
• We anticipate groundbreaking ceremonies and construction starts for
new communities in Norfolk, VA and Quartz Hill, CA.
• We will hold dedication ceremonies for our new buildings in Loveland,
CO, San Antonio, TX, and Pagedale, MO.
• We hope to complete the TPA for Desert Sage, Hermiston, OR, and
the purchase of Riverside Village in Leominster, MA.
• We will complete the rehab of Angelus Plaza North and begin working
on Angelus Plaza 1 (totally, a $43 million project that was made possible
through our recent refinancing of the community.)
• We will continue to expand the Project Development Department.
• We will continue our advocacy on behalf of our residents and affordable
housing programs nationwide. This is especially critical at the time of a
new administration and Congress. We must advocate for new programs
and defend existing programs in a time of budget crisis.
• The fourth round of resident satisfaction surveys will be started. This is
a two-year cycle.
• The skilled nursing and assisted living communities will be working on
programs to change the culture in the communities so that the staff is
all working to “light people’s lives” by making the things that we do for
residents more about what the resident wants and less about our job. U.S. Representative Baron Hill, visits
with residents at Madison Heritage
• Modifications in information technology will continue with new marketing Apartments, in Madison, Indiana to
and treasury software, as well as numerous other hardware and software discuss changes to Medicare Part B and
improvements. other issues facing our country’s seniors.
• We will have displays at the UCC General Synod in Grand Rapids, MI, as
well as at several UCC Conference annual meetings.
• We will complete the strategic planning and fund development studies
funded by the MacArthur Foundation.
• We will be naming a new CFO and Vice President of Acquisitions and
• We will be starting the refinancing and rehabilitation of several properties.
As always, other opportunities and challenges not now known will appear on the horizon and we will address them.
- 14 -
Quartz Hill, California
Harshfield Terrace will be RHF’s 62nd community in California. It will have 74 senior
affordable apartments; four designed specifically for the mobility impaired.
San Antonio, Texas
Bexton Place opened in
December of 2008. It is
a HUD 202 community
with 54 units for those
over the age of 62.
We also know that this is a difficult time in our nation and the road may be rocky, but as people of the light we will do our
best to light people’s lives, and the prayer of St. Francis will be our guide. To paraphrase, “Make us instruments of your
peace. Where there is hatred may we bring love; where offense, pardon. May we bring union in place of discord; truth
replacing error; faith where once there was doubt; hope for despair and light where there was darkness; joy to replace
sadness. May we not so much crave to be loved as to love. Help us to learn that in giving we receive; in forgetting
ourselves we find life eternal.”
May we all live the challenge to be the light of the world.
- 15 -
2008 Social Accountability Report
The RHF Difference
RHF is a faith-based, national, nonprofit provider of housing and services for
older adults, limited income families, and persons with disabilities; and most
of our communities are incorporated as 501(c)3 nonprofit corporations.
What is the difference between a for-profit and a nonprofit? The basic answer
is to follow the money. In a for-profit, a positive bottom line may be distributed
to owners or to stockholders. In a nonprofit, it is used to further the mission.
Nonprofits are sometimes called social profits as we are organizations
offering services that benefit the public. In almost every case, nonprofits are
exempt from federal and state income taxes and, in most cases, from real
estate taxes, as well. Consequently, we believe that we must go beyond the
Betty Luke, a resident of Benson Manor
core mission of providing housing and services for 17,000 persons 24 hours (Smyrna, GA) was honored with the 2008
a day, 7 days a week. RHF does much more. Outstanding Volunteer award by Cobb
It has been emphasized that nonprofits need to tell their story, because if we Senior Services for her continuous service
and support at the Windy Hill Senior
don’t tell it, no one will know. As part of our story, here is our annual social Center. She also serves on Benson
accountability report listing some of the things that we do for the public Manor’s Resident Association Council.
good both as an organization and individually.
This is the fifth year we have included a social accountability report with our
Voluntary and Involuntary Charity
RHF does not evict anyone due to inability to pay. In fairness, it needs to be
pointed out that inability to pay and unwillingness to pay are two different matters.
Benevolent care and rental concessions are voluntary. Write-offs,
contractual adjustments, and uncollectible fees are not, and we must rely on
private pay residents and charitable contributions to make up the balance.
Obviously, no organization can remain in existence with a negative bottom line
year after year. Calvin Hara (Left), Pioneer House’s (Sacramento,
CA) Administrator has volunteered with the Boy
• During 2008, rental concessions were made by our communities in the Scouts since 1998. “It is a joy to see these young
amount of $1,074,243. Through donors’ contributions to the Resident men develop a sense of community while serving
Benevolence Fund, residents received grants of $32,400. Support through the communities they live in. As future leaders,
benevolence and concessions enables our residents to continue to live in our this prepares them for their role in society.”
communities even though their resources have diminished.
• In 2008, we had “involuntary” charity in the form of contractual adjustments from Medicare and Medicaid of
$8,310,333. Also, $751,183 in fees for rent and services were determined to be uncollectible. While rental concessions
were $61,000 less than they were in 2007, resident benevolence was $4,800 more than in 2007 and contractual
adjustments increased by almost $273,000.
Investing in Our Future
• Eleven of our nursing facilities provide practicum sites so that nursing assistants and LVN students from local schools
can get hands-on training as part of their education process.
- 16 -
Terry Ballentine, Ingleside Manor’s (Macon,
GA) Maintenance Technician (kneeling in
red pants), has been a volunteer coach for
various baseball and football teams in his
community for 9 years, dedicating 10 -15
hours a week to helping young people learn
the important lessons of competition.
“My goal as a coach is teaching and helping
my players to learn and understand the
responsibilities of the game.”
Residents and Staff of The Cloisters (Deland, FL) host
a Christmas party for Head Start children. This is one
of many volunteer efforts they participate in during the
Christmas season. Chinyere Dike, Business Analyst Manager at the
National Headquarters, is a volunteer with PATH
(People Assisting The Homeless) in Los Angeles.
Senator Diane Fienstein selected her to be her
guest at the Presidential Inauguration in Washington,
D.C. as a result of her volunteer efforts for that
Mary Pressler, a resident at the La Fontaine
Center (Huntington, IN) volunteers at Love,
Inc. where she stocks shelves and helps
distribute food to the needy in the area.
“The reason I volunteer is because I like to
help others who are in need,” she says.
• RHF believes in investing in staff and board education and growth. We invested almost a million dollars in education
and improving skills for our 2,700 team members and our national, local, and advisory board members.
Resources were used for attending conferences, educational seminars, participating in webinars, and tuition reimbursement.
• Over the course of the year, our communities employed about 79 high-school-age students, primarily in dietary
departments, hopefully introducing them to what it means to be a responsible citizen in society, an education which may
help them in their future careers.
- 17 -
Within our RHF Communities
• 2,058 persons volunteered more than 98,000 hours to RHF
communities and the national headquarters, helping in a variety of ways.
This does not include the countless hours that our 352 national, local,
and advisory board members contribute each year.
• Through the donations of residents, staff, Mattel, Inc. and Hasbro, Inc.,
more than 650 toys and gifts were given to more than 650 RHF children.
We thank our 17 volunteers (we call them The Wrappers) from St. Mary
Tower who wrapped these toys along with Advisory Commission Members
Yuri Masuda and Alice Sexton and RHF team members Maggie Engelberg,
Maria Rodriguez, and Cindy Medina.
• Approximately 1,206 residents donated 99,392 hours while participating
in RHF’s Project H.A.N.D.S.® (Helping Angels National Donated Support) John “Jack” Snow, a resident of Westover
program where residents make clothing and other items for children and Manor (Cedar Rapids, IA) has been a
victims of abuse. The items are distributed in homeless shelters, shelters for foster parent and volunteer at his church
the abused, and children’s hospitals. for most of his adult life, even travelling to
Mexico as a missionary. For the last seven
In 2008, 12,442 items were created from donated yarn and sewing materials. years he has devoted more than 30 hours
Seventy-five of our communities have an active H.A.N.D.S.® Program. a week to working with inmates at jails
Donations of materials have come from individuals, churches, residents, and prisons in northeast Iowa.
families, and business partners.
Over 294 agencies and organizations have partnered with us, and we
appreciate their involvement and support.
• Twelve students living in RHF communities received educational support
from our Children’s Education Fund in the amount of $2,500. This fund
provides monies for school supplies or clothing for students in grades K
through 12 and partial tuition reimbursement for young adults who attend
college, junior college, or vocational training.
We Are a Good Neighbor
• More than 705 RHF staff and residents volunteered over 67,711 hours
to more than 723 community and nonprofit organizations.
• Our national office and 31 of our communities have served as polling
places for elections.
Residents from St. Mary Tower in Long
• Over 120 members of the RHF family donated more than $242,786 to Beach spend a day wrapping more than
more than 195 nonprofit organizations. 650 donated toys for children living in
RHF communities across the country.
• RHF Team Givers (staff members) donated $13,000 to the RHF mission.
• More than 10,000 persons attended meetings held in RHF community
rooms, representing more than 818 different community organizations
logging in more than 14,000 hours of meetings.
We Contribute to the Economy
• RHF and our communities made a significant impact through our staffing base. In 2008, over $64,645,000 in salaries
and wages was contributed to local economies.
• In addition, we estimate that we have provided more than 1,175 new construction jobs on a temporary basis, which infused
more than $17,000,000 into local economies in wages and salaries, not including the cost of construction materials.
During the course of the year, we had five properties under new construction or major rehab.
- 18 -
300 Main (Estacada, OR) residents have travelled
every month since 1997 to Grace House, an
assisted living community, to lead in sing-a-longs
and visit with the residents there.
Theresa McWilliams, a resident of Malone Manor
(Lincoln, NE), has volunteered for more than two
years as an aide at Calvert Elementary School where
she helps out in the second grade classroom.
John Malveaux, a resident of St. Mary Tower (Long
Beach, CA), was honored as “Volunteer of the Year”
by the Arts Council of Long Beach for his work with
the Central Project Area Committee - a citizen’s
Christopher Mullen, Business Applications Manager advisory committee for the Long Beach Redevelopment
at the National Headquarters, volunteers as a coach Agency, Academic Uprise, and the NAACP .
for youth sports teams throughout the year and Boy
Scout Troop Leader.
This is a snapshot of what RHF does beyond the basic mission of providing housing and healthcare services for persons
who live in our communities.
While this report continues to grow each year, if all of our team members were reporting the good works they do, the numbers
would increase dramatically.
Thanks to all of you who have shared what you are doing to make a difference in our communities.
We are all motivated to help light people’s lives.
- 19 -
The RHF Leadership Team
RHF Board of Directors
(From Left to Right) Christina E. Potter, Vice
Chairperson; Donald W. King, Chairperson;
Raymond East, Frank Jahrling, Dr. Laverne R.
Joseph, Dr. John E. Trnka, Stewart M. Simington,
Dr. Teruo Kawata, Dr. Darryl M. Sexton, Vice
Chairperson; Jean Dremstedt, and Tom S.
RHF Advisory Commission
Kiku Kawata RHF Key Staff
Vice - Chair (From Left to Right) Chris Ragon, Director of Public Relations;
Paula Jameson, Director of Fund Development; Judy Shaw, Service
Coordinator Manager; John Clow, Director of Risk Management;
Conrad Dungca, Internal Audit Manager; Christopher Mullen,
Business Application Manager; Maggie Guzman, Director of
Information Technology Services & Information Security Officer;
Andre Giles, Risk Manager; and Adrianne Eng, Network
Robert A. Potter William Warrick
- 20 -
RHF Principal Staff
(From Left to Right) Nada Battaglia, VP - Human
Resources; Brian Magnone, VP - Treasury;
Richard Washington, VP - Business Development;
Robert Amberg, Sr. VP and General Counsel; Cheryl
Howell, Executive Assistant to the President, Director
of Administrative Services and Assistant Corporate
Secretary; Peter Peabody, VP - Healthcare Operations;
Stuart Hartman, VP - Affordable Housing Operations;
Deborah Stouff, Director of Corporate Records and
Corporate Secretary; and Frank Rossello, VP - Controller.
RHF Key Staff Janice Delano
From Left to Right) Florence Webb, Construction Project Manager;
Claudia Flores, Director of Accounting; Kevin Gilchrist, Director of
Development Finance; Phil Mosqueira, Accounts Payable
Manager; Kent Steckbeck, Director of Budgets, Reimbursements
and Analysis; Jennifer Staley, Payroll Manager; and Joanne Silva,
Occupancy Manager. (Absent) Rosemary Kwock, Housing Accounting
Manager; Dan Tocci, Construction Project Manager)
Nurse Consultant Thuy Hoang LaVonne Mickelson
West Coast Southwest Midwest
- 21 -
RHF Financial Highlights
Consolidated Statements of Financial Position
(000’s omitted) September September
Current Assets $ 24,298 $ 25,692
Long Term Investments 12,430 19,831
Land, Buildings, Equipment 9,586 9,261
(Net of depreciation)
Other Assets 73,967 62,552
Total Assets** $ 120,281 $ 117,336
Liabilities and Net Assets
Current Liabilities $ 8,994 $ 6,234
Long Term Liabilities 31,485 34,849
Subtotal 40,479 41,083
Net Assets** 79,802 76,253
Total Liabilities and Net Assets $ 120,281 $ 117,336
Consolidated Statements of Activities
(000’s omitted) Year ending Year ending
Revenues - Unrestricted
Management Fees $ 12,523 $ 12,163
Interest Income 779 1,124
Other 10,263 4,320
Total Revenues - Unrestricted $ 23,565 $ 17,607
Expenses - Unrestricted
General and Administrative $ 11,930 $ 11,481
Fundraising 48 56
Depreciation and Amortization 922 803
Other 3,633 3,983
Total Expenses - Unrestricted $ 16,533 $ 16,323
Change in Net Assets, Unrestricted 7,032 1,284
Change in Net Assets, Restricted (3,483) 4,595
Change in Total Net Assets $ 3,549 $ 5,879
* Certain September 30, 2007 balances have been reclassified to **Total Assets and Net Assets includes restricted balances of
conform to the September 30, 2008 financial statement presentation. $19,797 and $23,280, in 2008 and 2007 respectively.
RHF financial statements are presented for convenience and information purposes only, and while reasonable efforts have been
made to ensure the integrity of such information they should not be relied upon. A copy of the audited financial statements will be
provided upon request.
- 22 -
The financial information presented is for the parent organization only. As such, the entities
included are the following:
Retirement Housing Foundation United Congregate Care, Inc.
Foundation Property Management, Inc. Foundation Financial Services, Inc.
RHF Foundation, Inc. Retirement Enterprises, Inc., Delaware
Retirement Enterprises, Inc., California
RHF Management, Inc.
Working Capital Cash / Short and Long-term Investments
$22,000 $19,458 $50,000
(000's omitted) 2008 2007 (000's omitted) 2008 2007
Total Net Assets Change in Total Net Assets
$90,000 $79,802 $7,000
(000's omitted) 2008 2007 (000's omitted) 2008 2007
** Total Assets and Net Assets includes temporarily restricted balances of $18,265 and $17,601 in 2008 and 2007, respectively.
RHF financial statements are presented for convenience and information purposes only, and while reasonable efforts have been made to
ensure the integrity of such information they should not be relied upon. A copy of the audited financial statements will be provided on request.
The following is a summary of affiliated entities, which are not consolidated in these financial statements:
Entity Classification Number of Entities
Not-for-profit single-purpose entities owned and receiving government 112
subsidy, currently in operation
Not-for-profit healthcare facilities owned, currently in operation 20
Not-for-profit properties owned, managed by others 10
Not-for-profit partnerships in operation 11
(ownership interest ranging from .01 percent to 16.9 percent)
Properties managed for third party owners 2
Not-for-profit properties owned, currently in development 11
Total Entities Not Consolidated 166
- 23 -
The Heartland 300 Main
Peoria, IL Estacada, OR
+Housing Options of
Plymouth Place Clackamas County
Yellowwood Terrace Montrose, CO
1983 Holly Hill, FL
Diakonia Housing I Carbon Creek Shores
Communities Rancho Cordova, CA
Diakonia Housing I
+ Dayle McIntosh
Center for Disabled
1965 1975 Marple Manor Florence, SC
Mayflower Gardens Sun City Gardens Modesto, CA
Lancaster, CA Sun City, CA +MACHCO Gold Country
West Valley Tower Placerville, CA
1966 1976 Van Nuys, CA
Bixby Knolls Towers Harbor Tower** +St. Mark’s Episcopal Church
Long Beach, CA San Pedro, CA Great Plains Housing
+Warren Chapel African North Platte, NE
Pioneer House 1984 +Great Plains Mental
Sacramento, CA Methodist Episcopal Church Gold Country Health Center
+Pioneer Congregational MacArthur Park Tower** Health Care Center
UCC Los Angeles, CA Placerville, CA
+Trinity Cathedral Longfellow Plaza
1978 +Historic Landmarks
Episcopal Church Anderson, IN
Pioneer Towers Foundation of Indiana
1970 Sacramento, CA Monona Meadows Lomita Kiwanis Gardens
Plymouth Square +Pioneer Congregational Monona, WI Lomita, CA
Stockton, CA UCC Westminster Health + Lomita Kiwanis Club
+First Congregational +Trinity Cathedral Care Center Malone Manor
Church of Stockton Episcopal Church Westminster Village Kentuckiana Lincoln, NE
Plymouth Tower Clarksville, IN +Malone Community Center
Riverside, CA Pauahi Kupuna Hale
Auburn Ravine Terrace 1985
Auburn, CA Honolulu, HI
1971 Charles Major Manor
+First Congregational Shelbyville, IN Pinehurst Apts
Bixby Knolls Palestine, TX
Church of Auburn
Health Care and Culver City Rotary Plaza
Rehabilitation Center Pilgrim Tower East** Pinewood Manor
Culver City, CA
Long Beach, CA Pasadena, CA Bremerton, WA
+Culver City Rotary Club
+Mt. Zion Baptist Church
Mayflower Gardens Donald Jordan, Sr. Manor
Convalescent Hospital 1980 San Jacinto Manor
Mayflower Gardens II Garden Grove, CA San Jacinto, CA
Lancaster, CA +Acacia Adult Day Services
Lancaster, CA St. Mary Tower*
1974 Lake Ella Manor Long Beach, CA
Southpointe Villa Tallahassee, FL
Pilgrim Tower North** Rialto, CA Catholic Healthcare
Pasadena, CA Pioneer Manor West Southern
Ralston Tower 1981 Geneva, NE California
Modesto, CA Angelus Plaza** +First Congregational UCC University Center
+First Christian Church Angelus Plaza North** Redding RHF Housing Indianapolis, IN
+Trinity United Los Angeles, CA - Butte Home +University Methodist
Presbyterian Church - Cottonwood Home Church
Crooked Creek Tower
+St. Paul’s Episcopal Indianapolis, IN Redding, CA Villa at Sacred Heart*
Church Indianapolis, IN
Round House Manor
(MACHCO) Southdale Tower Hispanic Housing
Anderson, IN Services, Inc.
- 24 -
Vistas The Carolinian
Van Nuys, CA
Florence, South Carolina
Courtenay Springs Village Villa at Sacred Heart
Merritt Island, FL
Escalon Heritage House
+Saron Lutheran Church
Fajardo Elderly Apts
Fajardo, Puerto Rico
Madison Heritage Apts
Madison, IN Southpointe Villa
+Madison Presbyterian Rialto, California
Mason City, IA
Prairie Grove Apts
East Prairie, MO Guadalupe Senior Apts
+East Prairie Chamber
Redding Pilgrim House
Support, Inc. Pioneer House
1988 Sacramento, California
Denver, CO *Third Party Management
+Del Norte Neighborhood **Syndicated Project
- 25 -
1988 (cont.) 1990 (cont.) 1992 (cont.) 2001
Maple City Square Grace Place Valley View Apts Colonia Jess Lopez
La Porte, IN Norfolk, VA Manitowoc, WI Los Angeles, CA
+St. Paul UCC Wilshire House
La Mirada Vistas Colonial Gardens
Marymount Manor La Mirada, CA Santa Monica, CA Florence, KY
+Sisters of St. Dominic Lindsay Place 1993 Cornerstone Gardens
Lindsay, OK Virginia Park Apts Houston, TX
Olson Rotary Village Des Moines, IA
Delano, CA Mill Pond Manor Esperanza Apartments
+Delano Rotary Club Saline, MI 1994 Seattle, WA
+Evangelical Homes of Cocalico Place
Richardson Manor Michigan Ephrata, PA Park Place
Milwaukee, WI +Bethany UCC Seattle, WA
+WAICO Handicapped Pecan Place
Bonham, TX Symphony Plaza East
Housing, Phase II, Inc. Harry and Jeanette Boston, MA
Vacaville Autumn Leaves Sangnok Villa Weinberg Philip Street Apts
Los Angeles, CA Honolulu, HI Symphony Plaza West
Vacaville, CA Boston, MA
+California Grange +Korean American Christian
Evergreen Assn. 1996 The Stearns
1989 The Carlin Boston, MA
Villa Nueva Arlington, VA
Anaheim Memorial Manor Los Angeles, CA
Anaheim, CA 2002
Winslow Manor 1997 Amistad Plaza
Camelot Village Winslow, AZ Cardosa Village Los Angeles, CA
Council Bluffs, IA Sacramento, CA
Yorkshire Place +Transitional Living and Benson Manor
Casa de Pinos
Cape May, NJ Community Support, Inc. Smyrna, GA
Granada Gardens Seabury Heights
Cimarron Court 1991
Granada Hills, CA Worchester, MA
Kearney, NE Crescent Manor
Colonial Heights Mesquite, TX Haven 501 Apartments 2003
Florence, KY Kemet House (Madison Avenue) Binnall House
The Concord Chesapeake, VA Los Angeles, CA Gardner, MA
Pasadena, CA Haven 501 Apartments Gateway Gardens
Laurel Park Manor
Gaslight Apts Los Alamitos, CA (Burlington Street) Poway, CA
Converse, IN Los Angeles, CA Hollyview
+Kokomo OIC, Inc. Mesquite Gardens
Mesquite, TX Haven 502 Apartments Los Angeles, CA
Lakeview Manor Los Angeles, CA Independence Square
Storm Lake, IA Towne Creek Apts
McKinney, TX Rio Vista Village Evansville, IN
Loess Hills Estates Los Angeles, CA King James Court
Glenwood, IA Verde View
Camp Verde, AZ
Miracle Manor 1998 Pine Crest
Edna, TX 1992 Creekbend Gardens Orange, MA
Westover Manor Adam and Bruce Apts Houston, TX
Cedar Rapids, IA Fort Wayne, IN Norfolk, VA
+True Love Missionary 2000
Abbey Apartments +First Baptist Church of
1990 Baptist Church Lambert’s Point
Bennett Place Indianapolis, IN
New Hampshire Apts 2004
Los Angeles, CA DeSmet Retirement Community Los Arcos
+ Operation Better Block Stone Creek Village Florissant, MO Poway, CA
Phoenix, AZ St. Catherine Mason Place
Corydon, IN Sunny Isle Housing Retirement Community Boston, MA
+Hoosier Valley for the Elderly Florissant, MO Lowell Place
Economic Opportunity Christiansted, St. Croix, The Cloisters Bakersfield, CA
Corporation The Virgin Islands DeLand, FL +Bakersfield Senior Center
- 26 -
North Capitol at Plymouth Bennett Place
Washington, D.C. Pittsburgh, Pennsylvania
Oak Knoll Villa
San Antonio, TX
Farrfield Manor Round House Manor
Kaukauna, Wisconsin Farrfield Manor
2008 Columbus, Georgia
San Antonio, TX
Mount Beulah Terrace
Pre-Construction Mt. Beulah Terrace
Broadwood Terrace Pagedale, Missouri
Whittier Blvd. - Senior
Los Angeles, CA
Quartz Hill, CA
Los Angeles, California
- 27 -
Housing and Services Information
State # Units/ Beds
FL 959 WA
GA 279 4
IA 194 ID
ID 40 1
IL 150 4
IN 1,538 NE
KY 246 4 IL IN 1
MA 1,582 CA
1 17 VA DC
MI 48 61 3
4 1 PR
MO 214 1 U.S. VI
NE 116 AZ
NJ 55 4
OR 93 TX
Greater than 1,500 Units
PA 113 11
750 to 1,500 Units
PR 60 FL
100 to 750 Units
SC 144 HI
0 to 100 Units
TX 634 2
# of Communities
WI 196 Total RHF Housing Units/Beds Equals 14,838
TAX EX BONDS/LIHTC/9 (1,456)
Harbor Tower Trust (241)
HUD 202 (67)
Senior Housing Special Needs Housing
Skilled Nursing Family (606)
- 21 -
(208) Chronically Developmentally
Mentally Ill (56) Disabled (12)
Total Senior Units/Beds:13,956 (# Units/Beds) Total Special Needs Units/Beds: 882 (# Units/Beds)
- 19 -
- 28 -
Lifetime of Work
“We are pleased to inform you that the American Association of
Homes and Services for the Aging has selected you for the 2008
Award of Honor. This award, AAHSA’s highest honor, is given
in recognition of your exemplary national leadership and commitment
to creating the future of aging services and reinforcing AAHSA’s
As a volunteer leader, you have always been at the forefront in working
with AAHSA, Aging Services of California, IAHSA and other
organizations to achieve workable answers to the tough questions
facing our field and innovative solutions to the housing and service
needs of seniors.
Under your leadership, RHF has been a standard-setter, and you have
been most generous in sharing your vision of affordable housing and
services with our entire field. You are passionate about providing for
low-income seniors, and that passion shines through when you are
called upon to testify before Congress or address civic, religious and
service groups on our nation’s housing and supportive services
needs. Yours is one of the truly creative minds in our profession,
and you are widely known and respected for your drive to
create solutions to meet the growing need for affordable housing.
Congratulations on this well-deserved honor.”
Thomas Slemmer Larry Minnix
AAHSA Board Chair AAHSA President
On October 12, Dr. Joseph was nationally recognized for
his years of work in the area of affordable housing. The
national Board of Directors, along with the staff of RHF,
is proud of Dr. Joseph and his lifelong work in the area of affordable
It is with pride that the RHF Board of Directors has established a
fund - The Laverne R. Joseph Affordable Housing Fund - in honor
of him and his work.
Monies contributed to this fund will help finance RHF’s work in
building affordable communities for seniors, low income
families and persons with disabilities throughout the country.
Pictured to the left (top to bottom); Dr. Joseph’s announcement
at the Philadelphia conference of AAHSA; Dr. Joseph and
Thomas Slemmer, AAHSA Board Chair at the presentation;
Dr. Joseph speaking to more than 6,000 people at the
conference; and Dr. Joseph with Larry Minnix (President
of AAHSA) and Don King (RHF Board Chair) at an RHF
reception in his honor. AAHSA, Aging Services of California,
and the Council for Health and Human Services also held
receptions in his honor during the week-long conference.
- 29 -
People Helping People:
“My appreciation of Retirement Housing Foundation’s mission
and mode of operation began in the early 1990’s and matured
rather quickly to the high level where it continues today. The
process was hastened by the opportunity to attend occasional
RHF meetings and to visit their communities in California and
several other states,” says William (Bill) Warrick.
When asked what he thinks makes RHF so special, Bill replies,
“From my earliest observations it was easy to sense the quiet
dedication and spirit of the national Board of Directors and local
Boards. These talented and experienced people from various walks “I am proud to be a
of life are carefully evaluated before being invited to join as non-paid Circle of Friends
volunteers. Management and other key employees at the Long Beach donor and provide
headquarters and in the field display strong talent and enthusiasm for help for generations
the mission of the organization.”
Bill Warrick was born in Scranton, Pennsylvania. His father (also Bill)
was a Civil Engineer with the Pennsylvania Department of Highways. “Dad Bill” was transferred to
various cities in the state while “young Bill” was proceeding through his early school years.
After graduating from high school in Hollidaysburg, Pennsylvania and a military tour in Europe during
WWII, “young Bill” returned to earn college degrees from Penn State and the University of Pittsburgh.
After graduation he began work for Atlantic Refining Company, a major oil company which later
became ARCO. Over a period of 35 years at ARCO, during which the company acquired two
other major oil companies, Richfield Oil Corporation and Sinclair Oil Company. Bill held
several management positions in Sales & Operations, Corporate Planning, and finally as Manager,
In the summer of 1985, business associates at ARCO
Chemical Company advised Bill that a company in Spain,
with which they had two major projects, was interested
in his background and would like to contact Bill regarding
a consulting position which could help their entry into
what was then called the European Common Market. Bill
met with the President and Board Chair of what is today’s
Repsol, accepted the position, and 10 weeks later moved to
Madrid for 2 years, followed by 12 more years of consulting
work in the United States and visits to Spain. Bill with his wife, the late Jean Moore Warrick
(Continued on next page)
- 30 -
RHF Circle of Friends
The RHF Circle of Friends is our legacy society. There are many ways to qualify for
membership, such as RHF gift annuities that provide lifetime income to the donor, life
insurance, real estate gifts, charitable remainder trusts, and gifts from pension fund assets
and/or simply including RHF in your Will or Trust. For more information in confidence
and without obligation, contact Paula Jameson, CFRE, at (562) 257-5141.
We are grateful for our RHF Circle of Friends members:
Karolla Brice Lydia Cerveny
Jean G. Dremstedt Mr. & Mrs. Raymond E. East
Bernice E. Elkin, MD Robert S. Fliehmann*
Dolores P. Foga Burton L. French
Toshiko Okazaki Fukuda* Alice R. Good*
Wanda Haudek* Rev. Dr. Teruo & Kiku Kawata
Paula E. Jameson Laverne R. Joseph
Eveleth “Evie” Miller* Jean Moore Warrick*
Major Fitzhugh L. O’Neill* Jean H. P. Oppenheimer
Eric H. Pierson* Rev. Dr. Robert A. & Christina E. Potter
Barbara J. Ricker - In Memory of Emma (Sam) Ricker Elsie Valek
Miriam P. Vandenbush* Anna Mae Wakefield*
Richard Walinch* William L. Warrick
Eleanor J. West Norman A. Whaley*
(*indicates members who have passed away)
People Helping People: Bill Warrick (cont.)
Bill and Jean Moore were acquainted at ARCO, but he knew nothing about RHF until 1991 when
they were preparing to be married. He learned quickly, however, about Jean’s long-time dedication
to RHF’s work as the first woman member of the Board of Directors. She served on the Board
until her death in 2004, and was Board Chair from 1994 to 1999.
We are saddened by Jean’s untimely death, but pleased that Bill remains dedicated, not only by
his monetary support to the RHF Mission, but also by his continuing service on the RHF Advisory
Commission and as Vice President of the RHF Foundation Board of Directors. His management
experience is valuable to RHF.
During their 13-year marriage, Bill and Jean traveled together to many places in the world. One
of their highlights was in 1994 when they attended the emotional and historic 50th Anniversary of
D-Day on the beaches of Normandy. In 1994 Bill and Jean visited the WWI battlefields where his
father saw heavy combat as an artillery forward observer.
Bill has many interests including travel, reading, golf, growing roses and of course RHF. He lives
in San Diego with a large orange Tabby cat, “Mr. Miles.”
He is proud to have included RHF in his estate plans. He states, “RHF is a people-friendly organization
which merits broad support from those able to help! I am proud to be a Circle of Friends donor and
provide help for generations to come. It’s all about people – those helping and those helped.”
- 31 -
First Congregational UCC, Karen King
Corona, CA Urwin & Doris Kraut
First Congregational UCC, Anita Kristiansson
Santa Ana, CA Souren Kurkjian
Raisa Flaum Chin Kwon
Betty Ford Ki Kyong
National David & Bonnie Frechette
Paul & June Frohe
La Fontaine Center Resident Assoc.
Tae Bum Lee
Office Toshiko Fukuda Estate
Bryant Bank Lee
Mary Jane Lemire
Glen Haddock Leverage Productions, Inc.
Sun Ham Pat Logston
Helen Heidenreich Los Altos UCC, Long Beach, CA
Ahmad Hendessi Victor & Sally Lucas
Elizabeth Henneberger Angel Macias
Elmer Hernandez Maria Marimba
Nancy & Curtis Ackley Dora Chao Wilfred Ho Peggy Matthews
Sara George Adeh Cenaida Charra Louise Hogan Janice McNeilly
M. Aguilar Kitty Chen Kimberly Howell Flora Mejicanos
Sang An In Cho Terry & Debra Hutchings Emilia Menacho
Rosa Andrade Veronica Cho Lydia Ilano Florence Milliot
Anonymous Angelo & Gemma Chon Anne Introcasa Roman Moncayo
Constance Armistead Jin Up Chung Isho Hasso Isho Norman & Frances Moore
Esther Arzola (The) Cloisters Residents Thomas Jacobson Irene Morales
Juletta Atoyan Association Frank & Roberta Jahrling Dennis Morales
Isabel Ayala Community Congregational Lester Jarvix Delia Moreno
Christine Baca UCC, Los Alamitos, CA Juan & Maria Jimenez Patricia Morris
Bank of America Paul Coomer Christine Jirovetz Robert Mumm
Charitable Distribution Cross Roads Community Douglas & Mary Jirovetz Barbara & Richard Neer
Maria Barajas UCC, Lakewood, CA Steve Johnson Mansoureh Nilkhani
Alma Bautista Joe DaSilva Virginia Jones Gloria Norman
Bay Shore Congregational Gladys Davis Young Jung Vioulet Nosrati
UCC, Long Beach, CA Neo Davis Ricardo Justiniano Linda O’Neal
Sally Behan Maria De la Maza Mark Kadzielski Bo Pak Ock
Leana Bentley Leonor Deatherage Bong Kang Marlene Olsen
Angelina Bondoc Ignacia DeDios Esther Kasbeer Palmer Kazanjian Wohl Perkins, LLP
Georgia Boolootian Virginia Deeds Katten Muchin Roseman LLP Carmen Parenzuela
Kathleen Breen Francisca DeFunes Parkash Kaur Young Park
Karolla Brice Teresita DeGuevara Ellen Kawata Kathleen Parker
Kevin Bruso Phillip DeLao Teruo & Kiku Kawata Carmen Parrilla
Akemi Burton Bonita Villalobos William & Young Kim Helen Peiker
Guillermina Calloway Dempster & Family Young Kim Flavia Perine
Carmen Casillas John & Jackie DiCecco Yong & Jung Kim Norma Plaza
Alba Castelli Elsie Dixon Kwan & Hak Kim Lisa Pourpasand
Roque Cauich Bernice Elkin Jee & Kum Kim Ok Pyon
Adelaida Centeno Carolina Enriquez Chul Kim Alberto Ramirez
Carlos Cervantes Charles & Gail Fain Chong & Pyong Kim Adelaida Ramos Vazquez
Chong Cha Therese Farrar Jong & Tae Kim Benjamin Recca
Venkat & Sharada Chalan J. K. Fernan Chun Chong Kim Ray Reese
- 32 -
Patricia Reinhardt Frances Stephenson
Roger Resinger Sun City Gardens Residents In Honor of
Reuben Raucher & Blum Mattie Mae Taylor
Robert & Donna Rheiner Gertie Taylor Collen Adams Richard Keller
Philip Riggio Theodora Oringher Miller Mark Kadzielski Edna Keller
Meryln Robinson & Richman Rex Cole Grace Jirovetz
Mamie Robinson Thompson Coburn LLP Edna Keller John & Jackie DiCecco
Yousef Torkamani Tony Gillette David & Bonnie Frechette
Judy Brunetti Christine Jirovetz
Cristina Romero John & Shirley Trnka
Laverne R. Joseph Douglas & Mary Jirovetz
Alejandro Romero Union Bank of Victor & Sally Lucas
Pedro Romualdo California Foundation Carmelita Bell
James & Sarah Caldwell Jeffrey & Lori Van Dalen
Maria Rosario Jeffrey & Lori Van Dalen Linda Listoe
Ray & Caroline East
Realo Rosenvante Benjamin Vega-Alfaro Brigitte Dewez
Don & Mary King
Gaetano Russo Paz Villaflor Nancy & Dailey McPeak Paul A. Mac Phee
Georgina Salcedo Violet Vincent Larry & Kathleen Minnix Margery Mac Phee
Maria Sargis Mozella Walker Helia Prsha
Anita & Paul Waller Rev. Raymond A. Maier
Joyce Sears RHF Linda Forsberg
Moe Shah Francis Welch John & Shirley Trnka
Phillip Weldon Patrick Sheetz
Lona Shaw George Keller Judy Brunetti
Mr. & Mrs. Roger Weston
Stewart Simington Douglas & Nancy Wickstrom Edna Keller Cheryl Stich
Roger Simpson Dawn Winson Joseph Keller Renee Gerry
Iluminada Sison Robert Winston Edna Keller Michael Stich
Ruth Skelton Chung Yoon Stephen Keller Renee Gerry
Alys Fram Solar Jon & Myung Yoon Edna Keller Marguerite Warner
St. Peter’s UCC, Evansville, IN In Yoon Edna Keller
THANK YOU 2008 MAJOR DONORS
We are grateful to the following donors and businesses who contributed to the mission of RHF
and we recognized them at our 47th Annual Meeting in February 2008. Thank you to the following:
California Bank & Trust Comerica Bank-California
Latham & Watkins NAHT Schochet Associates, Inc.
Sullivan Curtis Monroe Theodora Oringher Miller Richman US Bank
Dauby O’Connor & Zaleski Designer Sound Security Systems
Reuben, Raucher & Blum WAMU
Thank you Christensen’s Designs
DaVinci Communications HPSI
Major Land America Novogradac & Co., LLP MMA Financial Web Service Co
SILVER BRONZE $1,000
Bocarsly Emden Cowan Esmail Parker & Arndt LLP
Diversified Risk Management HD Supply
Hill Ward Henderson Ice Miller LLP Katten Muchin Rosenman LLP
Palmer Kazanjian Wohl Perkins
FRIENDS ($749 and under)
The Abo Group Inc. AFLAC Alpha Construction Co., Inc.
Compo Construction Freedom Works Staffing
Jirovetz Family David Stern
John & Shirley Trnka
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Angelus Plaza Angelus Plaza
Los Angeles, CA Los Angeles, CA
ISOTECH Pest Management Martha Spinks
Dr. Laverne Joseph SRO Housing Corporation
Charles D. Kaufman Helen D. Steward
Kawada Hotel TCA Architects
J. Jeffrey King Union Bank of California, N.A.
Robert E. Klenck, M.C., Inc. Unique Medical Equipment
Erin S. Knight & Supplies
Korean Friendliness Club United Health Care Services, Inc.
KTGY Group, Inc. U.S. Bank Commercial
LA Mart-Merchandise Real Estate Group
Mart Properties, Inc. USC
Dr. Laverne Joseph and Paula Jameson accept a Yuhuan Lan, M.D. Valley Commercial Contractors
$25,000 grant from Union Bank of California’s Los Angeles Council of Margaret Wan
Rossina Gallegos (V.P - Community Development
. Filipino Americans, Inc. Dr. Xin Wang
Office) and Johanna Gullick (V.P - Community
. Dr. Edmund Lee Web Laundry Service
Development Finance). The Legion of Mary Los Wells Fargo Bank
Angeles Regional Senatus Elizabeth O.C. Wong
DONATIONS TO RHF COMMUNITIES M. Leisenbach Dr. King Yue Wong
Lennar Communities YI-Ping Acupuncture
The following donors contributed a monetary gift to the Phoebe Liebig Annette Young
corresponding community from 1/1/08 to 12/31/08: Richard Lieboff Mimi D. Yu, Ph.D.
Little Tokyo Service Center
Adam & Bruce Apts Angelus Plaza J.T. Liu Bishop’s Glen
Fort Wayne, IN Los Angeles, CA L&R Auto Parks, Inc. Holly Hill, FL
Council on Senior Services City National Bank LTSC Community
Development Corporation Miriam “Mimi” Peterson
Colburn School of Music
Guy Seiji Mayeda, M.D. Vandenbush
Angelus Plaza Congress of California Terrence M. McGrath
Los Angeles, CA Seniors Andrew Montealegre Charles Major Manor
Command Guard Services Olga Maser Morgan
ABC Studios Shelbyville, IN
Ampco System Parking Community Redevelopment Morley Builders
Agency of the City of L.A. Ervin R. Munro Anonymous
John Coyle National Housing Trust Artrageous Pottery
Joan Anderson NBC Universal
Culver Dairy, Inc. Chaparral Café
Margarite Baghdanian Thomas J. Neary Colour Palette
Bank of America Delores M. Dennard
Arline Denny Networx Corporation Comfort Inn
Veronica Perez Becker Fabian Nunez, Culligan
William E. Bloomfield Peter A. Di Carlo
Speaker Emeritus, First Methodist Church
Dr. David Boyer L. Eugene Dudley CA Assembly
Dr. Andrew Fishman Freeman Family Funeral Homes
Peter M. & Lilia s. Pagsisihan
Judaea Fishman-Radcliffe Li Chun Pan Grover Museum
Roberta Goldberg Braun JB’s Radiator
California Lung Associates Forum Medical Group Pearce Consulting, Inc.
Catherine Fredinburg Ping On Pharmacy Long John Silvers
Catholic Healthcare West/ Sander’s Jewerly
Margaret Glick Richard M. Powell
California Hospital Chris Ragon WSVX Radio
Medical Center Golden Age Entertainment
Companion Radio Harold E. Reaves, M.D., Inc.
Central City Association The Resource Collection
Good Samaritan Hospital Cocalico Place
Dr. Lawrence Char Timothy D. Reuben
Grand Central Square, L.P . Ephrata, PA
David Chellman Terry D. Rothgeb
Johnson B. Chew Rosanne Hawkins Ronald B. Samuels The Sharp Shopper
Chinese Resident Club Kirby N. Higashi Richard M. Seigel Wal-Mart
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Colonial Heights & Gardens LaFontaine Center
Florence, KY Huntington, IN
Family of Mil Fedders ,
AARP Huntington Chapter
Joseph & Diane Geiger Lois Brown
Genevieve Harris Lynn Gamble
Jack & Sarah Harvie Laura Haley
Mrs. Robert Horn
John & Clare Reiss
Steve & Barbara Renaker Lake Ella Manor
Bill & Julie Rice Tallahassee, FL
Mr. W.C. Whitson
Dr. & Mrs. John Agens
DeSmet Ramona Leon
Florrisant, MO Garce Martin Residents of Bishop’s Glen
will enjoy this new gazebo that
Family of Helen Theisman WellCare Health Plans
was built with a legacy gift
Farrfield Manor Lindsay Place from Circle of Friends member,
Lindsay, OK Major Fitzhugh L. O’Neill.
Amanda Hughes Floyd & Mary Midkiff
McIver & Associates
Publix Longfellow Plaza Park Place Richardson Manor
Tower Construction Anderson, IN Seattle, WA Milwaukee, WI
Gateway & Gateway Gardens Northstar Aerospace Seattle South End Wisconsin Conference - UCC
Poway, CA Coalition Group
Monona Meadows Round House Manor
Dick Barber Monona, WI Pilgrim Place Kaukauna, WI
Beth Fleming Angelus Retirement Mason City, IA
Col. J.K. & M.L. Johnson Anonymous
Community Sisters of St. Francis
Augusta Knuth J.K. Fernan Bonanza Steakhouse
Ollie & Sharon Padzensky Wisconsin Conference - UCC
Madison Area Master Pioneer House
Katy Polson Gardener’s Association
Rancho Bernardo Sacramento, CA St. Mary Tower
Wisconsin Conference - UCC
Toastmasters-Club Long Beach, CA
#112/District 5 Milo Chun
North Capitol at Plymouth
John & Edith Roberts Sacramento Walking Sticks Farmers & Merchants Bank
Harold & Rosalie Rubenstein In Honor of
De Angela C. Ali
Sunny Isle Housing
Bill & Nancy Schneider Gloria von Lippmann
TEC Group 37 Robert Bondzie St. Croix, VI
By Randele Kanouse
Pastor Bush Milton Henry
Independence Square Mary Cooper Pioneer Towers
Evansville, IN Simpson – Hamline Sacramento, CA Hovensa L.L.C.
Sherrie Patterson Oliver Exterminating
American Sanitary Venita Phillips Robbie McMullen
Independence Square The Jazzy Ladies Pioneer Towers Resident Valley View Apartments
Resident Council Sewing Club Council Manitowoc, WI
Mark Rolley Consulting Catherine Veney Wisconsin Conference - UCC
Ingleside Manor Olson Rotary Village Riverside, CA Westover Manor
Macon, GA Delano, CA Cedar Rapids, IA
Kanon R. Artiche
Vicky Ellis Cinco de Mayo Festival Estate of Harold Funk
Delano Rotary Club Eden UCC
Ingleside Manor Social Club Estate of Robert Stucker
Karmen A. Shedenhelm
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Special Union Bank of California
Thank Generous 2008
You Grant Support of $25,000
In Memory Of . . .
. . . Raymond Amberg . . . Gertrude Chapman . . . Alan Furuta . . . Lizanne Moncrief
Collen Adams Robert & Mary Lynn Jacobson Laverne R. Joseph William Moncrief
Caroline & Ray East Laverne & Ginger Joseph
. . . Sena “Mickey” Gibson . . . Hemul Patel
Don & Mary King
Paula & Russ Jameson Milton & Jennie Lee Linda & Jordean Listoe Ratilal & Sharaben Patel
Laverne & Ginger Joseph Kingsland
Harvey & Beth Oringher . . . Clark Harshfield . . . Buni Rader
John Monroe Ernest Fowler Tom & Yuri Masuda
Reuben Raucher & Blum Jean & Robert LaPerriere Nancy & Dailey McPeak
Mary Ann & Richard Lemon Rev & Mrs. Charles Schepel
Stephanie Blum Roger & Jane Simpson
Stephen Raucher Tom & Yuri Masuda . . . Claudia Thomas Sargeant
Timothy Reuben Dianne McKenzie . . . Paul A. MacPhee Caroline & Ray East
Schochet Associates, Inc. Alexander Rice
Margery MacPhee . . . Dale Smith
Larry Webb Stewart Simington
. . . Frank Casadas Arthur Smith . . .Norman E. Marks Joyce Soumokil
Shirley & John Trnka Beverly Marks & Family
Laverne R, Joseph . . . Cheryl Stich
Thomas & Patricia Vandewalle
. . . Gertrude Chapman Charles Vartanian . . . Lt. Col. Donald Moore Renee Gerry
William L. Warrick Judith Moore . . . Michael Stich
Collen Adams Lucile Whittier
Robert Amberg . . . Jean Moore Warrick Renee Gerry
Virginia Cobb . . . Vi Carter . . . Bill Wallace
Jacqueline Coffroth Ron & Phyllis Anatole
Laverne R. Joseph Lois Bahm Karen Zapata
James & Madeleine . . . Mary Denny Margery & Wendell Edgerton
Paula & Russ Jameson . . . Merrill Whittier
Disher Family Linda & Jordean Listoe Ginger Joseph Tom & Yuri Masuda
Nancy & Dailey McPeak Lucile Whittier
Ray & Caroline East . . . John Dunnigan
Grace & Ron Hitomi & Norman & Frances Moore . . . Houston Whitlock
Family Jean Gill Tom & Yuri Masuda
William L. Warrick Georgia Whitlock
RHF Foundation Approved As a Combined Federal Campaign (CFC) Member
In the summer of 2008, RHF Foundation was notified that our CFC application was approved. This makes it easier for federal
employees to make a donation to us via payroll deduction and/or check. We received assistance from Aging and Disabilities
Charities of America (ADCA), a non-profit organization and a federation that reviews applications and distributes donated funds.
There are currently more than thirty federations within the CFC, most of them, like ADCA, organized around a specific theme.
Approximately 1,900 national organizations and 40,000 local organizations qualify for the CFC annually.
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Our staff members perform important daily duties to make shelter and service
a reality for the people we serve. Staff members who additionally choose to
voluntarily support RHF through monetary donations are contributing to 2008 RHF
the fiscal health of our mission. We are extremely grateful for their optional
financial commitment as well as the investment they already have made with
their hearts, lives and careers.
The following staff members personally contributed to our mission in 2008:
Collen Adams Lynn Gamble David Lloyd Edwardo Salud
Kathy Almers Perry Glenn Cynthia Lyons Michael Sands
Robert Amberg Fostine Gotierrez Brian Magnone Wendy Scott
Shana Anders-Hastings Anna Graddy Mark Malloy Judy Shaw
Anonymous (2) Dee Hammer Mary Midkiff Scott Siehr
Geroge Asato Calvin Hara Erin Montegut Joanne Silva
Ken Ayala Stuart Hartman Diane Moulton Susan Siverling
Mitch Bachtel Emily Hidalgo Robert Nathan Jennifer Staley
Nada Battaglia Cheryl Howell Linda Newsome Teresa Stanley
Duncan Bradbury Paula Jameson Steve Nicoloro Deborah Stouff
Toni Canencia Pam Jennings Barbara Olivas Edwin Sundareson
Jacqui Chew Laverne Joseph Peter Peabody Fran Tarjany
Heather Cline Ken Kaser Gloria “Berta” Pedregon Karleen Thorpe
Dave Cooley Lorri Kavich Delores Peters Olga Torres
Billie Culverson Teresa Kennedy Alejandra Phillipsen Florence Webb
Lloyd Davis Donna Kerby Chris Ragon Joella Willey
Philamena Decker Arnold Kim Margie Rauen Gloria Williams
Pamela Derke Jay Krause Barbara Ricker Judy Williams
Conrad Dungca Dina-Marie Kulzer Tina Robinson Theresa Williams
Vicky Ellis Cathy Lavario Frank Rossello Diane Wink
Maggie Engelberg Julie Lemke Cynthia Rudon Daniel Wolf
Linda Forsberg Lynn Lichtenstern Gloria Ruiz
In burgundy = Sterling Club members-donation via payroll deductions
· Affordable Housing Fund - assists RHF in preserving and creating new affordable housing.
· The Laverne R. Joseph Housing Fund - a fund established by our Board of Directors in honor
RHF of our President/CEO and his accomplishments to further the affordable housing mission.
· Clark Harshfield Affordable Housing Building Fund - in honor of one of our founders
FUNDS · Resident Benevolence Fund - provides funds to RHF residents who cannot afford to live
in their RHF home anymore.
· Jean Moore Warrick Endowment Fund for Resident Benevolence - an endowment fund
Donors wishing to in memory of Jean Moore Warrick, RHF’s board member who dedicated twenty-five years of
help our mission may volunteer service to making a difference in the lives of our residents.
· Children’s Education Fund - provides grants for RHF children and young adults to financially
designate their help with clothing, books, supplies, tuition and tutoring services. It is the intention of the
contribution for any fund to help break the cycle of poverty through education.
of the following RHF · Annual Holiday Toy Drive Fund - provides holiday toys for RHF children-in-need. We distributed
established funds: over 650 toys to RHF kids in 2008!
· Project H.A.N.D.S.®- RHF residents give their handmade items which are knitted, crocheted or
sewn to organizations who serve those living in shelters.
The purpose of RHF Foundation, Inc. is to provide through gifts and managed funds, financial resources which assist RHF (Retirement Housing
Foundation). RHF Foundation, Inc supports RHF’s dedication to providing quality housing, health and support services. RHF’s services are
primarily for older adults, persons with disabilities and low-income families of all faiths, and enhance the physical, social and spiritual aspects
of their lives. RHF Foundation, Inc. strives to assist RHF in its commitment to acting as a resource for the communities in which it operates.
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How to Word Different Types of Bequests
Donors wishing to leave a bequest to RHF
or to help residents at any of our communities may choose from
these suggested bequests when planning their estate plans.
Undesignated Bequest: “I give, devise and bequeath to RHF Foundation, Inc. (RHFFI), currently with offices at 911 N.
Studebaker Road, Long Beach, CA 90815, the sum of $______ (or describe gift) to be used by the Foundation as it
Specific Percentage Bequest: “I give, devise and bequeath an amount equal to ____percent (____%) of the total value of
my estate at the date of my death to RHFFI, currently with offices at 911 N. Studebaker Road, Long Beach, CA 90815,
to be used by the Foundation as it chooses.”
Residual Bequest: “I give, devise and bequeath all (or a percentage) of my estate after other specific legacies have been
fulfilled to RHFFI, currently with offices at 911 N. Studebaker Road, Long Beach, CA 90815, to be used by the Foun-
dation as it chooses.”
Contingent Bequest: “If the above named beneficiaries should predecease me, then I hereby give, devise and bequeath
all (or a percentage) of my property and estate to RHFFI, currently with offices at 911 N. Studebaker Road, Long Beach, CA
90815, to be used by the Foundation as it chooses.”
NOTE: A donor may also leave a bequest to an RHF community of their choice. Please call 562-257-5141 for the exact
wording and the legal name of the community.
You should consult with your attorney about the specific provisions or language you need to include in your estate planning
documents. The information shown here is for illustrative purposes only.
For more information in confidence, without obligation, contact Paula Jameson, CFRE, Director of Fund Development, at
Retirement Housing Foundation’s logo is a registered trademark that represents
the integration of our mission with our Christian heritage. What appears to be a
snowflake is actually a grouping of four houses and four apartment buildings. The
buildings are joined together by a cross, representing our Christian tradition and the
motivating force of RHF’s mission. The diamond shape of the logo emphasizes our
sense of community, and the houses have open doors, symbolizing availability to those
who need housing. The logo points in all directions - East, West, North and South -
signifying our geographical diversity and inclusiveness.
RHF would like to thank Ray East and Anastacio Cubos III and our communities for the majority of the pictures that appear
in this publication. The photographs shown in this report were taken of our residents, staff, volunteers and visitors,
Board of Directors, and Advisory Commission members during various events at our communities throughout the country.
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Why Consider a
Our Gift Annuity Provides . . .
Fixed Payments Appealing Payments
Every check is the same. The rates are very attractive*
Lifetime Payments Tax-Free Payments (partial)
They last as long as you do. They continue for your life expectancy.
Guaranteed by the United Church of Christ
* Sample Gift Annuity Rates of Return
Note: Call us for all other age groups. Rates are subject to change.
Call us for your Single Person Two Persons
complimentary Age Rate Younger Age Older Age Rate
65 5.3 65 71+ 5.1
brochure: 70 5.7 70 72-75 5.3
Your Guide to 75 6.3 75 77-79 5.7
Charitable Gift 80 7.1 80 82-84 6.3
85 8.1 85 87 7.2
Annuities. 90 9.5 90 91 8.4
Call us about * Sample Deferred Gift Annuity Rates
RHF Gift Annuities. (Deferred gift annuities are available for individuals under 60 years old.)
Rates are subject to change.
Present Age When Annual
Toll Free: Age Payment Starts Payment Rate
877-937-4743 50 60 6.8%
Email: email@example.com 50 62 7.8%
50 70 9.1%
A copy of RHF’s registration statement & financial
information may be obtained at no cost from 55 60 6.1%
the Department of Consumer Affairs, or by 55 65 7.2%
contacting RHF directly at (562) 257-5141 55 70 8.4%
or TOLL FREE at 877-937-4743.
60 65 6.5%
60 70 7.7%
Our Director of Fund Development, Paula Jameson, CFRE, is ready to provide additional information to you
about planned giving and/or to meet with you and your advisors if you so desire. You can reach Paula directly
at 562-257-5141 (or call toll-free at 877-937-4743, leave her a message for a return call), or you can contact her
through our web site at www.rhf.org or her email firstname.lastname@example.org.
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Retirement Housing Foundation Corporate Information
Officers: National Headquarters
Donald W. King, Chairperson 911 N. Studebaker Road
Christina E. Potter, Vice Chairperson Long Beach, California 90815-4900
Dr. Darryl M. Sexton, Vice Chairperson Tel: 562-257-5100
Laverne R. Joseph, D.D., President & CEO Fax: 562-257-5200
Tom S. Masuda, Treasurer Website: www.rhf.org
Deborah Stouff, Corporate Secretary E-mail: email@example.com
Cheryl J. Howell, Assistant Corporate Secretary
Regional Management Offices
East Coast East Coast Healthcare
4300 N. Carlin Springs Road 911 N. Studebaker Road
Arlington, Virginia 22203-2006 Long Beach, California 90815-4900
Tel: 703-243-0318 Tel: 562-257-5100
Fax: 703-243-0718 Fax: 562-257-5200
E-mail: firstname.lastname@example.org E-mail: email@example.com
Midwest North Central
7519 Beechwood Centre, Suite 600 2200 Hillside Avenue
Avon, Indiana 46123 West Des Moines, Iowa 50265
Tel: 317-272-0929 Tel: 515-440-2266
Fax: 317-272-0999 Fax: 515-440-2269
E-mail: firstname.lastname@example.org E-mail: email@example.com
Northwest/West Coast Southern California I & II
83 Scripps Drive, #320 911 N. Studebaker Road
Sacramento, California 95825 Long Beach, California 90815-4900
Tel: 916-649-2783 Tel: 562-257-5100
Fax: 916-649-2847 Fax: 562-257-5200
E-mail: firstname.lastname@example.org E-mail: email@example.com
Southwest West Coast Healthcare
8309 Minnesota Lane 80-166 Catalina Drive
Austin, Texas 78745 Indio, California 92203
Tel: 512-292-3921 Tel: 760-449-4529
Fax: 512-292-3996 Fax: 760-469-3706
E-mail: firstname.lastname@example.org E-mail: email@example.com
Independent Auditors – Novogradac & Company LLP – Certified Public Accountants
246 First Street, 5th Floor, San Francisco, CA 94105
Tel: 415-356-8000 Fax: 415-356-8001