RHF Annual - Retirement Housing Foundation

A NEW VISION
FOR T OMORRO W
annual
r eport
2004

Table Of Contents
Corporate Information…...........................................................................…….....……Inside Cover
A New Vision For Tomorrow - President’s Message ..................……….......................…............1-3
Memorial Tributes ..................……….................................................................................…............4
Our Vision, Philosophy and Values, Mission Statement, and Logo.......................................……..5
The RHF Leadership Team……………………………………………................................….….6-7
Message From Our Board Chairperson……..……………………………………...........................8
Chronology………………………………………..…………………….......................……..……9-11
Financials………………………………………………………………….......................……..……12
Housing and Services Information….…………………………..……........................................…13
Social Accountability….…………….................……………..……..............................................…14
Our Donors…………………………………………..................……..........................................15-21
Retirement Housing Foundation ® Corporate Information
Officers
John E. Trnka, D. Min., Chairperson
Donald W. King, Vice Chairperson
Laverne R. Joseph, D.D., President and CEO
Tom S. Masuda, Treasurer
Linda Listoe, Corporate Secretary
Cheryl Howell, Assistant Secretary
Midwest
8060 North Knue Road, Suite 128
Indianapolis, Indiana 46250-1978
Tel: 317-577-1971
Fax: 317-577-1978
Email: larry.krueger@rhf.org
Corporate Office
911 N. Studebaker Road
Long Beach, California 90815-4900
Tel: 562-257-5100
Fax: 562-257-5200
Website: www.rhf.org
Email: info@rhf.org
North Central
2200 Hillside Avenue
West Des Moines, IA 50265
Tel: 515-440-2266
Fax: 515-440-2269
Email: denise.hammer@rhf.org
Regional Management Offices
East Coast
4300 N. Carlin Springs Road
Arlington, VA 22203-2006
Tel: 703-243-0318
Fax: 703-243-0718
Email: jeffrey.ferguson@rhf.org
East Coast Market Rate
1248 Falconcrest Boulevard
Apopka, FL 32712
Tel: 407-884-0402
Fax: 407-884-0633
Email: tom.sutton@rhf.org
Northwest/West Coast Market Rate
701 Howe Avenue, Suite H60
Sacramento, California 95825
Tel: 916-643-9603
Fax: 916-643-9611
Northwest Email: bruce.burke@rhf.org
Southwest
1040 Whipple Street, Suite 334
Prescott, Arizona 86305
Tel: 520-541-1116
Fax: 520-541-1119
Email: marla.brown@rhf.org
Independent Auditors - BDO SEIDMAN, LLP - Accountants & Consultants
3200 Bristol Street, Suite 400, Costa Mesa, California 92626
Tel: 714-957-3200 Fax: 714-957-1080
A
NEW VISION FOR TOMORROW

ANNUAL REPORT 2004 1
A New Vision For Tomorrow
The theme for this year is A New Vision For Tomorrow.
Frank Gaines wrote in Forbes Magazine, “Only he who can
see the invisible can do the impossible.” The history of
those who founded RHF in 1961 and those who have
nurtured this faith-based, national, nonprofit these past 44
years is the story of those who have seen the invisible and
done the impossible. During the memorial service for one
of our founders, the Rev. Clark Harshfield, we recalled his
comments about God’s providence and miracles and
angels – persons who came along at the right time to
expand and enhance the vision. There were many such
persons: Rev. Reinhold Klein and Steve Pilibos, co-founders;
Palmer and Helen Conner who helped Clark and the late
Rev. Dr. Jesse Perrin, Southern California-Southwest
Conference Minister, establish the Plymouth Foundation
which helped to launch RHF and also started or relocated
44 Congregational churches; Jean Moore Warrick, who for
almost 25 years volunteered her time and skills first at
Angelus Plaza and then on the RHF Board of Directors;
Attorney William C. Kelly and Presbyterian Minister John
Glenn, who in 1986 with Rev. Harshfield founded the
nation’s first nonprofit tax credit syndicator, National
Affordable Housing Trust (NAHT), which 19 years later has
preserved or constructed 83 properties with over 9,000
affordable units. Jean Moore paved the way for the ARCO
Foundation to provide an initial grant to get NAHT started.
Later, the Ford Foundation provided a loan to take NAHT to
the next level. Last year, the Board and staff of RHF put in
print our vision, “The vision of Retirement Housing
Foundation is a society in which all persons may have safe,
decent, secure, and affordable shelter which eliminates
circumstances where some persons need to make
desperate choices between paying the rent or purchasing
food or medications. We seek to be an effective instrument
for providing housing and services for older adults,
especially those with limited incomes, persons with
disabilities, and economically disadvantaged families.”
It is not really a new vision, but stating it for all to see is
critical in this time when we are on the leading edge of a
demographic age wave and where so many for-profit
providers and some nonprofits, too, are abandoning the
mission of affordable housing, not out of a lack of caring
but because it is difficult due to issues of staffing, financing,
insurance, and constant regulatory change. RHF also
operates what we call “market rates” which means that
residents pay the total cost of their rent and various
services, including housekeeping and meal service, but the
majority of our communities are for persons who are at the
Rev. Laverne R. Joseph, D.D.
lower end of the economic spectrum. Our vision is to
preserve and create as many units as we can so that more
people might have a better quality of life. But that growth
must be balanced with sound economics within the limits
of financial and human resources. “No margin, no mission”
is more than a catchy phrase. It’s reality.
What have been the major accomplishments of this
past year?
• We took over more space in our national headquarters
office building and completed the design and build out
of this new space, as well as reconfiguration of the
existing space.
• We celebrated our 43rd Anniversary in March 2004.
The Rev. Stephen Gray, Conference Minister of the
Indiana-Kentucky Conference of the United Church of
Christ (UCC) spoke at the Annual Worship Service,

which was hosted by Community Congregational UCC,
Los Alamitos. Attorney William C. Kelly received RHF’s
Friend of the Elderly award and Donald W. King,
President of Cathedral Pioneer Church Homes and Vice
Chair of the RHF Board of Directors, received the
Community Board Member of the Year award. Judy
and Morris Leininger, Managers of Donald Jordan, Sr.
Manor in Garden Grove, California, received the
Manager of the Year award. Tom Mills was honored as
Resident of the Year for his outstanding volunteer
efforts at Gold Country in Placerville, California.
• We challenged our more than 2,450 full and part-time
team members to continue the ongoing quest for
excellence. Of this number, 87 team members are in
our national headquarters office in Long Beach and 11
are in our regional offices around the country.
• We welcomed Jean Dremstedt back to the RHF Board
of Directors.
• Personnel additions this year included Betty Sassano,
Corporate Compliance Officer and Director of Risk
Management; Jennifer Staley, Payroll Manager; and
Conrad Dungca filling the new position of Internal
Audit Manager.
• We received another social service coordinator award,
bringing the total number of communities served by
service coordinators to 74.
• RHF now includes 149 communities in 24 states, the
District of Columbia, Puerto Rico, and the Virgin
Islands.
• We made the hard decision to close Trinity House and
sell the real estate because it could no longer meet
current customer expectations. Proceeds from the sale
will be used to build a new community in the
Sacramento area.
• We received new HUD 202 awards for affordable
communities in Quartz Hill, California; Loveland,
Colorado; and Columbus, Georgia.
• In addition to new construction in the calendar year
2004, we reinvested almost ten million dollars to
upgrade and improve our existing communities.
• We completed a third successful year with Caring
Communities Insurance Company (CCIC). This
provider-owned company was founded by 20
members of the American Association of Homes and
Services for the Aging (AAHSA) to address the liability
insurance crisis proactively. Robert Amberg serves on
the Board and the Claims Committee. John von Rusten
serves on the Finance Committee. I serve on the Board,
the Executive Committee, Strategic Planning and
Underwriting Committees, as well as Secretary of the
Board of Caring Communities Shared Services (CCSS).
During the year, we also experienced significant
premium reductions in our property and workers
compensation insurance program.
• We survived the worst hurricane season Florida has
ever experienced without any deaths or injuries, for
which we are most grateful. There were major
inconveniences and some physical damage to our
properties. In December, I had the privilege of
presenting “galaxy of stars” plaques to staff and
residents at The Cloisters in Deland, Bishop’s Glen in
Holly Hill, and Courtenay Springs Village in Merritt
Island, who demonstrated outstanding performance,
dedication, and spirit in the face of these storms.
• We launched HANDS (Helping Angels National
Donated Support). Sheltered Reality, a nonprofit
established in 1997, plays “Music with Meaning” for
school children and other groups throughout the
nation to educate people about the homeless and to
motivate people to do something about it. Many of the
persons affected by homelessness are children and
young people. In their concerts they will also mention
RHF and seek donations of yarn and sewing materials,
which are distributed to RHF residents through our
social service coordinator program. Residents then
have the opportunity to knit or crochet hats, mittens,
sweaters, and baby blankets, which will in turn be
distributed to children at local homeless shelters and
battered women’s shelters. They will also sell HANDS
pins, designed by our North Central Regional Manager,
Dee Hammer. The program is a dream of our Service
Coordinator Manager, Judy Shaw, and has been
endorsed by the RHF Board.
• We completed the first two-year cycle of resident
satisfaction surveys.
• We established a five million dollar line of credit to
position RHF to take advantage of new opportunities
that may come our way.
• We established the Jean Moore Warrick Endowment
Fund for Resident Benevolence and the Clark
Harshfield Affordable Housing Building Fund, both in
memory of these two outstanding leaders who have
died since our 43rd anniversary.
• We established the RHF Team Givers program for staff
members whose financial gifts support our mission.
• Work continues on the new Integrated Information
System Replacement (IISR). At the time of this writing,
we have 120 sites plus the corporate office in the
Enterprise network, 73 communities are now covered
with the new American Computer Software
2 A NEW VISION FOR TOMORROW

ANNUAL REPORT 2004 3
Management Plus system, and we have completed the
application delivery of the clinical system, INFOSYS in
all but one community. This has been a multi-year, five
million dollar project for RHF, and we expect most of it
to be completed within the next couple of months. Of
course with computers and software, the work is never
done as new improvements continue to evolve.
• We completed the renovation of Rio Vista Village.
• We opened and dedicated Lowell Place in Bakersfield,
and we also opened North Capitol at Plymouth in DC,
which will be dedicated in early March.
• A new employee handbook was distributed. While we
did not change the retirement plan for staff, we
engaged a new plan provider with reduced plan
administration fees, which means more funds remain
in employee retirement accounts.
• HUD no longer reviews every property every year but
during the course of 2004, ten of our properties
received “superior” management reviews and 48
received “satisfactory” reviews. We had 12 of our
properties inspected under the Real Estate Assessment
Center (REAC), and four of them received scores of 90
or higher and five scores of 80 or higher out of a
possible 100 points.
• 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 listed elsewhere in this publication.
Robert Amberg serves on the board of the Council for
Health and Human Service Ministries (CHHSM) and
chairs the strategic restructuring task force. He also
chaired the annual meeting program for the American
Corporate Counsel Committee for Nonprofit and
Professional Associations. Paula Jameson, our Director
of Fund Development, and our former Director of
Public Relations, Francine Marlenee, completed
CHHSM’s Transformational Leadership Program (TLP).
We also work with the American Association of Homes
and Services for the Aging (AAHSA) and the California
Association of Homes and Services for the Aging
(CAHSA), and other state associations. I serve on the
board of CAHSA as past-chair and chair the housing
committee, and also serve on the house of delegates of
AAHSA. We have hosted national meetings of the
Stewards of Affordable Housing (SAHF) and the
National Affordable Housing Trust (NAHT) and also
continue our involvement with the International
Association of Homes and Services for the Ageing
(IAHSA) and Association of Housing Management
Agents (AHMA).
Some of the items within our vision for this coming year:
• The celebration of our 45th Anniversary.
• Dr. John Trnka, who has served as Board Chair for the
past six years, will be honored in March with the
Faithful Trustee Award by CHHSM. Vice Chair Donald
King will succeed Dr. Trnka in the office of Chair, and
Dr. Trnka will continue to serve on the Board. Dr.
William Rader will be retiring from the Board of RHF
after 33 years of service.
• We will be celebrating Mayflower Gardens 40th
Anniversary. Mayflower was the first RHF facility and
was acquired out of bankruptcy. Today it is a thriving
community in Quartz Hill, California. We will be
dedicating North Capitol at Plymouth and breaking
ground for several other new developments around
the nation. We will be seeking additional 202 awards,
and expect to close escrow to acquire a number of
preservation properties in Massachusetts.
• We expect to be involved in the property tax exemption
challenges as the California Board of Equalization
attempts to reinterpret and change long-standing
principles of property tax exemption for nonprofits.
• We expect to hire a Director of Healthcare Operations.
• We expect to complete the transfer of physical assets
(TPA) on Pilgrim Tower North and Southpointe Villa.
• As always, we know that there will be other
opportunities and challenges which are not now on the
horizon, and we will continue to address them as they
become known.
An anonymous writer has written, “A vision without a task
is a dream. A task without a vision is drudgery. A vision and
a task is the hope of the world.” Thanks to all of those
persons in our past and present who dreamed the dreams
and shared the vision and, through their time, efforts,
financial resources, and hard work gave and continue to
give the vision wings. We encourage and sincerely ask you
to join in support of this vision which enables so many
persons to enjoy a better quality of life than they would
otherwise have. Thanks to our entire family of national and
local board members, staff, volunteers, donors, vendors,
attorneys, financiers, and our residents for sharing and
enabling this great vision.
Rev. Laverne R. Joseph, D.D.
President and Chief Executive Officer

Memorial Tributes
Rev. M. Clark Harshfield
April 11, 1914 – January 11, 2005
Clark Harshfield, one of the founders of Retirement
Housing Foundation (RHF) and Executive Director
from 1967 until 1987, died on January 11, 2005 at
Bixby Knolls Healthcare and Rehab Center, Long
Beach. He was preceded in death by his wife Verna
and a son, Stephen, and he is survived by a daughter,
Rachel and her husband, a grandson, brother and
sister, nieces and nephews.
Born in Fredonia, Kansas, Clark graduated from
Fredonia High School as valedictorian, attended
Independence College and received his Bachelor of
Arts degree from the College of Emporia in Kansas. In
1939, he graduated summa cum laude from the
Chicago Theological Seminary. After ordination, he
served rural Congregational Churches in South
Dakota, and served on the Conference staff of South
Dakota, and then joined the staff of Yankton College,
School of Theology. One of his students, Rev.
Reinhold Klein, later became a founder of RHF,
together with Steve Pilibos and Clark.
In 1955, the Harshfields moved to California where he
joined the Congregational Conference of Southern
California and the Southwest. In his role as Minister
of Evangelism and Church Extension, he was
responsible for more than 44 new church starts and
relocations from 1955 to 1965.
In 1955, he met Palmer and Helen Conner who
established the Plymouth Foundation. The Plymouth
Foundation helped to launch these new church starts
and also RHF.
Over the years he received many awards, including a
Certificate of Recognition from the State Department
of Aging, a special award from the California
Association of Homes and Services for the Aging; the
Hall of Fame award and the Executive of the Year
award from the Council for Health and Human Service
Ministries; a Meritorious Service award from the City
Council of Los Angeles; then in 1986 he and his wife,
Verna, were honored as the Most Remarkable Seniors
in Southern California at the Senior Exposition in Los
Angeles. He also received the RHF Friend of the Elderly
award in 1987.
Clark’s own words summarize his outlook on life. He
said, “I’ve had from youth a strange but persisting and
naïve faith in providence. Regardless of what the hand
of God provides in song and sorrow, I am positive that
the final orchestrations will be glorious.”
Mayflower Gardens was RHF’s first community. It is,
therefore, fitting that the new community to be
completed with a recent HUD 202 award will be called
Harshfield Terrace.
Jean Moore Warrick
May 11, 1929 – December 14, 2004
Jean Moore Warrick died at her home in Carlsbad,
California on December 14, 2004. She is survived by
her husband, William L. Warrick, a brother and a niece.
Jean Moore was born in Springfield, Pennsylvania,
and graduated from Drexel University, Philadelphia, in
1951. From that time until her retirement, she worked
for the Atlantic Richfield Company, first as Manager of
Emergency Planning, later as Manager of Major Office
Projects, and then Manager of Equal Opportunity
Affairs. She started at ARCO in various secretarial
positions, and when she became part of senior
management she had the highest ranking position
held by a woman, thus “cracking the glass ceiling” and
paving the way for women to become part of senior
management.
She began her volunteer work with RHF in September
1980 by serving on the Angelus Plaza Advisory Board.
Angelus Plaza opened the following year. In 1983, she
became the first woman to be elected to the RHF
Board, and later served as Board Chair from 1994 to
1999. She was involved in the launching of the RHF
Foundation and the Resident Benevolence Fund. She
was a generous donor of both her time and her
resources. In the 1997 annual report, Jean wrote
about the importance of volunteerism and how she
became involved with RHF. She said, “I feel incredibly
fortunate. What I’ve gotten back far exceeds whatever
I might have given. Recently, I was asked to give a
speech for a local Rotary club about Retirement
Housing Foundation. When I was told I had 20
minutes to speak, I had a momentary fear that I might
not be able to find enough material to fill up the time.
When I gave my talk, I found I was still going strong
at the end of a half hour, with more that I wanted to
say. It made me very much aware of how much pride
and pleasure I have in my relationship with RHF.
Thank you, Retirement Housing Foundation.” And we
say thank you, Jean Moore Warrick for all that you
have done and continue to do for RHF and our
residents. Through the Jean Moore Warrick
Endowment for Resident Benevolence funded by
family and friends and your estate, you continue to
support the mission and our vision for tomorrow.
Joseph A. Murray
1920 – 2004
Joseph A. Murray, a recent resident of Pioneer Towers,
Sacramento, California, died at Sutter Memorial
Hospital on June 26, 2004.
Mr. Murray served for several decades as an executive,
and later as owner, of the Wm. D. Jones Insurance
Agency of Sacramento, California, and became
involved with RHF with the original planning of Trinity
House in 1964. He soon took the lead on that project
and then became Board Chair of RHF and was
eventually Board Chair of Trinity House, Pioneer
Towers, and Pioneer House, the three facilities of
Cathedral Pioneer Church Homes. When he retired
from his local insurance business, he moved to Long
Beach and became Chief Operating Officer of RHF. He
remained in that position for many years and then
returned to Sacramento about 15 years ago. He was
a fantastic worker for Pioneer Church during all of his
years in Sacramento.
4 A NEW VISION FOR TOMORROW

ANNUAL REPORT 2004 5
Our Vision
The vision of Retirement Housing Foundation is a society in which all persons may have safe, decent, secure, and
affordable shelter which eliminates circumstances where some persons need to make desperate choices between paying
rent or purchasing food or medications.
We seek to be an effective instrument for providing housing and services for older adults, especially those with limited
income, persons with disabilities, and economically disadvantaged families.
Our Philosophy and Values
• Weare faith based and mission driven.
• We believe each person is a child of God and is loved by God, and as such each one is to be treated with respect
and dignity.
• We are proud of our roots in and our relationship with the United Church of Christ. However, we honor the faith
and traditions of every religion and the nonreligious, and we will not attempt to impose our faith on others.
• We will advocate for public policies which enhance the lives of those whom we seek to serve.
• We will be ethical in our business arrangements and we will strive to hold our vendors to the same high standards.
• Our concern for the whole person includes our residents and their families and our staff, and we will strive to be fair
in all our relationships.
• We believe the nonprofit community has unique responsibilities and opportunities to provide shelter and services,
especially for those who are most vulnerable in society.
• We will practice sound business principles.
• We will serve and employ without regard to race, creed, color, national origin, gender, religion, ancestry, age, marital
status, physical disability, medical condition including pregnancy, familial status, or sexual orientation.
• In order to be sure that we are treating our team members fairly and being equitable and competitive in our
compensation packages, we will periodically engage experts to provide guidelines for compensation and benefits.
Our Mission Statement
The mission of Retirement Housing Foundation, a national nonprofit organization, is to provide a range of housing options and services
for older adults, economically disadvantaged families, and persons with disabilities, according to their needs, in an environment
enhancing the quality of life as it relates to their physical, mental, and spiritual well-being. Retirement Housing Foundation
is committed to serving its residents and their local communities.
Our Logo
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.
5

6
The RHF Leadership Team
RHF Board of Directors (from left) Rev. Dr. Laverne R. Joseph, President & CEO; Stewart M. Simington; Dr. Darryl M.
Sexton; Christina Potter; Rev. Dr. Teruo Kawata; Dr. William E. Rader; Jean Moore Warrick; Jean G. Dremstedt; Tom S. Masuda,
Treasurer; Rev. Dr. John E. Trnka, Chairperson; Donald W. King, Vice Chairperson; Ray East;
RHF Principal Staff (standing from left) Robert Amberg, Senior Vice President & General Counsel; Cheryl Howell, Executive Assistant to
the President, Director of Administrative Services and Assistant Corporate Secretary; Charlotte Newcomb, Vice President/Controller;
(sitting from left) Linda Listoe, Senior Vice President and Corporate Secretary; John von Rusten, CFO & Vice President of
Finance and Project Development; Nada Battaglia, Vice President of Human Resources; (not shown: Charlotte Newcomb,Vice
President/Controller; Richard Washington, Vice President of Business Development and Stuart Hartman, Vice President of
Operations).
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ANNUAL REPORT 2004 7
RHF Key Staff (standing from left) Conrad Dungca, Internal Audit Manager; Judy Shaw, Service Coordinator Manager; Brian Magnone,
Director of Treasury; Paula Jameson, Director of Fund Develpment; Robin Padilla, Director of Budgets, Reimbursements and
Analysis; (sitting from left) Jennifer Staley, Payroll Manager; Betty Sassano, Corporate Compliance Officer and Director of Risk
Management; Joanne Silva, Manager of Accounts Payable and Occupancy; and Florence Webb, Development Project Manager.
(Not Shown: Robert Nathan, Director of Development & Construction; Rose Mary Kwock, Housing Accounting Manager;
Melysa Golder, Cash Manager; Dan Tocci, Development Project Manager; Maggie Guzman, Director of Information Technology
Services; Lois Hillyer-Flores, Risk Manager.
(from left) Marla Brown, Southwest Regional Manager; Bruce Burke,
Northwest Regional Manager; and Gloria Caster, Southern California
Regional Manager.
Judy Revell,
Director of Quality
Assurance
(from left)Denise Hammer, North Central Regional Manager; Larry Krueger, Midwest
Regional Manager; Tom Sutton, East Coast (Market-Rate) Regional Manager; and Jeffrey
Ferguson, East Coast Regional Manager.
Teri Kennedy,
Nurse Consultant
7

Message From Our
Board Chairperson
Occasionally I want to stand on a soap box and put the record
straight. I feel the need to do so. Our culture places a lot of emphasis
upon and seems to give adulation to "heroes" and "stars".
Multimillion dollar athletes who work part of the year, highly paid
movie stars who make an occasional movie, corporate leaders who
are given eight and nine figure benefit packages all receive headlines,
honors, attention and adoration. Earlier in my life some of these were
my "heroes".
Surely many of these people are fine human beings. But I
have changed my impressions of them. I no longer think they are
terribly important, at least not any more so than most people. In the
grand scheme of life, being able to memorize lines and repeat them
on a movie screen, hitting towering home runs, sitting in chairs of
huge corporations, sinking 25 balls in a basket, all of this is exciting,
but incredibly important?
Being on the Board of Retirement Housing Foundation for Rev. John E. Trnka, D.Min.
more than twenty years and recently serving as Chair has been an
absolute privilege for me. It also has been an enlarging experience. Especially as the Board has traveled all over the
country, visiting many of our RHF facilities, my eyes have been open. In those homes for seniors and families, in our
nursing homes and assisted living facilities I have been exposed to the real "heroes" and "stars" of life. There I have
watched people who serve other people and love doing so. What an enormous difference they make in the lives of other
people. The people who are making that difference are those who sweep the floors and talk with the residents, kitchen
staffs who make life more enjoyable with their meals, aides and nurses who make life easier for the infirmed, the
administrators and clerks whose bottom line is not a financial statement but "how well are we doing serving our
residents", the maintenance people who keep buildings in good repair, up to date in appearance, keeping utilities
operating. These are life's real "heroes", the "stars.” I can only imagine the immense difference these people made when
hurricanes struck our Florida homes. The "heroes" and "stars" worked long hours, some staying overnight, doing the
impossible, assuring as normal a life as possible for the residents.
I have the same feelings about the dedication and skills of other staff. Their priority always is the mission of RHF.
Even from long distances, residents in our facilities are their reason for being at work in regional and corporate offices.
For many the mission not the clock, serving not being served, are their priorities
Thank you to all of the RHF "heroes" and "stars”. You are making an enormous difference in the lives of people.
It has been my privilege to work closely with many of you. As we celebrate the 44th Anniversary of Retirement Housing
Foundation, I celebrate you who make the mission possible.
Rev. John E. Trnka, D.Min.
Chairperson, Board of Directors
8 A NEW VISION FOR TOMORROW

ANNUAL REPORT 2004 9
Chronology
✩ Cosponsor
● Third Party
Management
■ Syndicated Project
1965
Mayflower Gardens
Lancaster, CA
1966
Bixby Knolls Towers
Long Beach, CA
Pioneer House
Sacramento, CA
✩ Pioneer Congregational
United Church of Christ
✩ Trinity Cathedral Episcopal
Church
1970
Plymouth Square
Stockton, CA
✩ First Congregational
Church of Stockton
Plymouth Tower
Riverside, CA
✩ First Congregational Church
of Riverside
1971
Bixby Knolls Health Care and
Rehabilitation Center
Long Beach, CA
Mayflower Gardens
Convalescent Hospital
Lancaster, CA
1974
Pilgrim Tower North
Pasadena, CA
Ralston Tower
Modesto, CA
✩ First Christian Church
✩ Trinity United Presbyterian
Church
✩ St. Paul’s Episcopal Church
(MACHCO)
1975
Sun City Gardens
Sun City, CA
1976
Harbor Tower ■
San Pedro, CA
✩ Warren Chapel Episcopal
Church
MacArthur Park Tower ■
Los Angeles, CA
1978
Pioneer Towers
Sacramento, CA
✩ Pioneer Congregational
United Church of Christ
✩ Trinity Cathedral Episcopal
Church
1979
Auburn Ravine Terrace
Auburn, CA
✩ First Congregational Church
of Auburn
Pilgrim Tower East
Pasadena, CA
1980
Mayflower Gardens II
Lancaster, CA
Southpointe Villa ●
Rialto, CA
1981
Angelus Plaza
Angelus Plaza North
Los Angeles, CA
Crooked Creek Tower
Indianapolis, IN
Southdale Tower
Anderson, IN
1982
The Heartland
Peoria, IL
Plymouth Place
Stockton, CA
Yellowwood Terrace
Clarksville, IN
1983
Diakonia Housing I
Rancho Cordova, CA
RHF opened
Lowell Place in Bakersfield, CA in 2004.
Diakonia Housing I
Sacramento, CA
Marple Manor
Modesto, CA
✩ Modesto Affiliated Church
Housing Corp.
West Valley Towers
Van Nuys, CA
✩ St. Mark’s Episcopal Church
1984
Gold Country
Health Care Center
Placerville, CA
Longfellow Plaza
Anderson, IN
Monona Meadows
Monona, WI
Westminster Health Care
Center
Clarksville, IN
Westminster Village
Kentuckiana
Clarksville, IN
1985
Charles Major Manor
Shelbyville, IN
Culver City Rotary Plaza
Culver City, CA
✩ Culver City Rotary Club
Donald Jordan Sr. Manor
Garden Grove, CA
✩ Acacia Adult Day Services
Lake Ella Manor
Tallahassee, FL
Pioneer Manor
Geneva, NE
✩ First Congregational United
Church of Christ
Redding RHF Housing
Butte Home
Redding, CA
Redding RHF Housing
Cottonwood Home
Redding, CA
Round House Manor
Kaukauna, WI
The Village Congregational
Community ●
Arvin, CA
-Union Congregational Church
9

10
RHF opened Los Arcos in Poway, CA in 2004.
1986
300 Main
Estacada, OR
✩ Housing Options of
Clackamus County
Anciano Tower
Montrose, CO
Bishop’s Glen
Holly Hill, FL
Carbon Creek Shores
Anaheim, CA
✩ Dayle McIntosh Center
for Disabled
The Carolinian
Florence, SC
Gold Country
Retirement Center
Placerville, CA
Great Plains Housing
North Platte, NE
✩ Great Plains Mental
Health Center
La Fontaine Center
Huntington, IN
✩ Historic Landmarks
Foundation of Indiana
Lomita Kiwanis Gardens
Lomita, CA
✩ Lomita Kiwanis Club
Malone Manor
Lincoln, NE
✩ Malone Community
Center
Pauahi Kupuna Hale
Honolulu, HI
Pinehurst Apartments
Palestine, TX
Pinewood Manor
Bremerton, WA
✩ Mt. Zion Baptist Church
San Jacinto Manor
San Jacinto, CA
St. Mary Tower ●
Long Beach, CA
-St. Mary Medical Center
University Center
Indianapolis, IN
✩ University Methodist Church
Villa at Sacred Heart ●
Indianapolis, IN
-Hispano American Center
Vistas
Van Nuys, CA
✩ Valley Presbyterian Hospital
1987
Centennial Manor
Boise, ID
✩ University Christian Church
Courtenay Springs Village
Merritt Island, FL
Escalon Heritage House
Escalon, CA
✩ Saron Lutheran Church
✩ Escalon Christian Reformed
Church
✩ Escalon Presbyterian Church
Fajardo Elderly Apartments
Fajardo, Puerto Rico
Madison Heritage Apartments
Madison, IN
✩ Madison Presbyterian Church
Mission Palms
Mission, TX
Pilgrim Place
Mason City, IA
✩ First Congregational Church
Prairie Grove Apartments
East Prairie, MO
✩ East Prairie Chamber of
Commerce
Redding Pilgrim House
Redding, CA
River City Residence Club
Sacramento, CA
✩ Transitional Living and
Community Support, Inc.
1988
Dogwood Apartments
Milledgeville, GA
The Gateway
Poway, CA
Guadalupe Senior Apartments
Denver, CO
✩ Del Norte Neighborhood
Development Corporation
Maple City Square
La Porte, IN
✩ St. Paul United Church of
Christ
Marymount Manor
Tacoma, WA
✩ Sisters of St. Dominic
Olson/Rotary Village
Delano, CA
✩ Delano Rotary Club
Richardson Manor
Milwaukee, WI
✩ WAICO Handicapped
Housing, Phase II, Inc.
Vacaville Autumn Leaves
Vacaville, CA
✩ California Grange
1989
Anaheim Memorial Manor
Anaheim, CA
✩ Anaheim Memorial Hospital
Camelot Village
Council Bluffs, IA
Casa de Pinos
Prescott, AZ
Cimarron Court
Kearney, NE
Colonial Heights
Florence, KY
The Concord
Pasadena, CA
Gaslight Apartments
Converse, IN
✩ Kokomo OIC, Inc.
Lakeview Manor
Storm Lake, IA
Loess Hills Estates
Glenwood, IA
Miracle Manor
Edna, TX
Westover Manor
Cedar Rapids, IA
1990
Bennett Place
Pittsburgh, PA
✩ Action Housing
✩ Operation Better Block
Capital Court
Corydon, IN
✩ Hoosier Valley Economic
Opportunity Corporation
Grace Place
Norfolk, VA
La Mirada Vistas
La Mirada, CA
Lindsay Place
Lindsay, OK
Mill Pond Manor
Saline, MI
✩ Evangelical Homes of
Michigan
Pecan Place
Bonham, TX
Sangnok Villa
Los Angeles, CA
✩ Korean American Christian
Evergreen Association
10 A NEW VISION FOR TOMORROW

ANNUAL REPORT 2004 11
Villa Nueva
Los Angeles, CA
Winslow Manor
Winslow, AZ
Yorkshire Place
Cape May, NJ
1991
Crescent Manor
Mesquite, TX
Kemet House
Chesapeake, VA
Laurel Park Manor
Los Alamitos, CA
Mesquite Gardens
Mesquite, TX
Towne Creek Apartments
McKinney, TX
Verde View
Camp Verde, AZ
1992
Adam and Bruce Apartments
Fort Wayne, IN
✩ True Love Missionary
Baptist Church
New Hampshire Apartments
Los Angeles, CA
Stone Creek Village
Phoenix, AZ
Sunny Isle Housing for the
Elderly
Christiansted, St. Croix, The
Virgin Islands
Valley View Apartments
Manitowoc, WI
Wilshire House
Santa Monica, CA
1993
Virginia Park Apartments
Des Moines, IA
1994
Cocalico Place
Ephrata, PA
✩ Bethany United Church of
Christ
Harry and Jeanette Weinberg
Philip Street Apartments
Honolulu, HI
1996
The Carlin ■
Arlington, VA
1997
Cardosa Village
Sacramento, CA
✩ Transitional Living and
Community Support, Inc.
Granada Gardens
Granada Hills, CA
Haven 501 Apartments
(Madison Avenue)
Los Angeles, CA
Haven 501 Apartments
(Burlington Street)
Los Angeles, CA
Haven 502 Apartments
Los Angeles, CA
Rio Vista Village ■
Los Angeles, CA
1998
Creekbend Gardens
Houston, TX
2000
Abbey Apartments
Indianapolis, IN
DeSmet Retirement
Community
Florissant, MO
St. Catherine Retirement
Community
Florissant, MO
The Cloisters
DeLand, FLorida
2001
Colonia Jess Lopez
Los Angeles, CA
Colonial Gardens
Florence, KY
Cornerstone Gardens
Houston, TX
RHF acquired Mason Place in Boston, MA in 2004.
Esperanza Apartments ■
Seattle, WA
Park Place
Seattle, WA
Symphony East ■
Boston, Massachusetts
Symphony West ■
Boston, Massachusetts
The Stearns ■
Boston, Massachusetts
2002
Amistad Plaza ■
Los Angeles, CA
Benson Manor
Smyrna, GA
Seabury Heights
Worcester, MA
2003
Hollyview ■
Los Angeles, CA
Binnall House
Gardner, MA
Pine Crest
Orange, MA
King James Court
Orange, MA
Independence Square
Evansville, IN
Gateway Gardens
Poway, CA
Village Pointe
Norfolk, VA
✩ First Baptist Church of
Lambert's Point
2004
Los Arcos ■
Poway, CA
Mason Place ■
Boston, MA
Lowell Place
Bakersfield, CA
✩ Bakersfield Senior Center
North Capitol at Plymouth
Washington, DC
✩ Plymouth Congregational
United Church of Christ
In Design
Cornerstone Village
Houston, TX
Oak Knoll Villa
San Antonio, TX
Providence Place
Salem, OR
Harshfield Terrace
Quartz Hill, CA
Loveland, CO
Columbus, GA
11

12
Financials
RHF Financial Statements (excludes facility operations)
12 A NEW VISION FOR TOMORROW

ANNUAL REPORT 2004 13
RHF RHF Housing and Services Information
# Units/Beds
AZ
CA
CO
DC
FL
GA
HI
IA
ID
IL
IN
KY
MA
MI
MO
NE
NJ
OK
OR
PA
PR
SC
TX
VA
VI
WA
WI
163
7,108
86
69
968
116
82
194
40
150
1,524
240
1,340
48
218
116
55
30
26
113
60
164
447
300
55
317
196
CA
62
OR
1
WA
4
ID
1
AZ
4
HI
2
CO
2
NE
4
TX
9
OK
1
MO
3
WI
4
IL
1
MI
1
IN
17
KY
2
GA
2
Total RHF Housing Units/Beds Equals 14,225
IA
6
SC
2
PA
2
VA
4
FL
4
NJ
1
DC
1
MA
8
Legend:
Greater than 1,500 Units
750 to 1,500 Units
100 to 750 Units
0 to 100 Units
# of Communities
PR
1 U.S. VI
1
Senior Housing
Assisted Living
(857)
Skilled Nursing
(683)
Special Needs Housing
Family (606)
Residential (11,803)
Mobility Impaired
(208)
Chronically
Mentally Ill (56)
Developmentally
Disabled (12)
Total Senior Units/Beds:13,343
(# Units/Beds)
Total Special Needs Units/Beds: 882
(# Units/Beds)
13

Social Accountability
Alexis de Tocqueville wrote, “America is great because she is good and if
America ever ceases to be good, America will cease to be great. American
civilization is like a three-legged stool, with government and the private
sector being two legs and the third being civil society, the place where we
live, educate our kids, worship our God, and associate with our neighbors.”
The nonprofit public benefit corporation is unique to the USA and fills a
vital role in our society. Nonprofit organizations have long enjoyed the
status of exemption from income taxes, and in many cases real estate
taxes, because they fulfill a vital public good. But we have not done a good
job in reporting what we do, even though as nonprofits we’ve known that
we are engaged in good work.
This year, we are including a social accountability report with this annual
report. This year’s report is not complete because we have not been able
to educate all of our managers and staff to the importance of
documenting what we do. We know that we do good and great things,
but it’s simply part of what we do, and we do it without a second thought.
Unfortunately, the general public does not know the good that we do and,
therefore, we are including this report.
During the course of the year, rental concessions were made by our
communities in the amount of over $1.3 million, together with
contributions from the Resident Benevolence Fund in the amount of
$14,700. These benevolence and concessions enable our residents to
continue to live in our facilities even though their resources are
diminished. In addition, another $260,000 in fees for rent and service was
written off as uncollectible. During the past year, we also had “forced”
charity in the form of contractual adjustments from Medicare and
Medicaid of almost $2.9 million. Benevolent care and rental concessions
are voluntary; write-offs and reduced reimbursements are not, and we
must count on our private-pay residents and charitable contributions to
make up the balance. Obviously, one cannot stay in business by collecting
less for a service than it costs to deliver that service without receiving
assistance from other sources.
communities. Thus, as I stated, the report is incomplete and the statistics
are much larger than reported here.
Eighteen of our communities reported that there were 276 RHF staff
members and residents who volunteered over 4,200 hours outside their
homes to 186 worthy causes such as Girl Scouts, retired senior volunteer
programs, Boy Scouts, DARE, animal shelters and rescues, homeless
shelters, hospitals, associations for the blind and disabled, schools, little
leagues, soccer leagues, and other youth programs.
Sixteen of our communities reported that they had hosted 1,080 meetings
in RHF buildings, such as church groups, foster grandparents, glaucoma
screenings, retired senior volunteer programs, agency on aging meetings,
and many youth groups. RHF staff and residents donated money to 186
other worthy causes such as church groups, children in need, Leukemia
Foundation, UNICEF, American Red Cross, service clubs, etc. It’s important
to recognize that we give back to society.
Moreover, society in general sees us as worthy of their gifts. The Bank of
America notified us of a $200,000 grant over two years to benefit the
Resident Benevolence Fund and the Children’s Education Fund. The RHF
Circle of Friends Legacy Society grew to 16 members with over $1.2 million
from planned gifts during 2004. In the past year, RHF and our
communities have received donations of over $238,350 in financial
support of our mission.
We expanded our Children’s Education Fund to benefit young adults living
in RHF communities to attend college or vocational training.
We also gave back to our communities the benefits of 2,450 jobs. Plus,
whenever we build a new community, there are significant dollars infused
into that area through construction contracts.
This is just the tip of the iceberg, and next year we expect to be able to
report even more significant numbers to you because, in many ways that
we are not currently tracking, RHF and our communities make a real
positive difference wherever we live and work.
RHF believes in reinvesting in our staff, and we held three-day
management education conferences in our various regions around the
country plus a five-day national market rate administrator’s conference.
Local community board members were also invited to attend these
education sessions.
Seven team members were reimbursed tuition for continuing education.
Through the donations of residents and staff, Mattel, Inc. and Hasbro, Inc.,
holiday toys were distributed to 710 children who live in RHF communities
for economically disadvantaged families. Eighteen residents from St. Mary
Tower and Bixby Knolls Towers volunteered to wrap these toys, along with
Alice Sexton, Advisory Commission member.
There were 420 persons who volunteered approximately 14,200 hours to
RHF communities to help with arts and crafts, bible discussions, blood
pressure clinics, transportation, council meetings, photocopying, filing,
potluck parties, publications, reading, landscaping care, and translation.
This does not include the countless hours that our 356 local community
and national board members contribute each year. We have 149
communities in 24 states, District of Columbia, Puerto Rico and the Virgin
Islands, and these were the hours reported by only 31 of these
14 A NEW VISION FOR TOMORROW

ANNUAL REPORT 2004 15
RHF Circle of Friends Members in
Florida Enjoy a Special Luncheon
Residents of Bishops Glen, Holly Hill, FL who are members of our Circle of Friends, are pictured
here during a special luncheon held in their honor in Florida in November 2004. Shown left to
right are: Miriam Vandenbush, Major Fitz O’Neill (Retired), Paula Jameson (RHF’s Director of
Fund Development) and Dolores Foga.
RHF Circle of Friends
The RHF Circle of Friends is a planned giving
membership. There are many ways to qualify for
membership, such as RHF gift annuities that provide lifetime income to the donor, (see the article
“The Gift That Gives Back” on page 16) life insurance, real estate gifts, charitable remainder trusts, 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, at (562) 257-5141.
We Are Grateful To Our Growing RHF Circle of Friends
Lydia Cerveny - Sun City Gardens, Sun City, CA
Mr. & Mrs. Raymond E. East - RHF Board of Directors
Dr. Bernice B. Elkin - Bixby Knolls Towers, Long Beach, CA
Robert S. Fliehmann - Plymouth Tower, Riverside, CA
Dolores P. Foga - Bishop’s Glen, Holly Hill, FL
Wanda Haudek* - Sun City Gardens, Sun City, CA
Rev. Dr. Teruo & Kiku Kawata - RHF Board of Directors
(*indicates members who have passed away)
Jean Moore Warrick* - RHF Board of Directors
Major Fitzhugh L. O’Neill* - Bishop’s Glen, Holly Hill, FL
Elsie Valek - Sun City Gardens, Sun City, CA
Miriam P. Vandenbush - Bishop’s Glen, Holly Hill, FL
Anna Mae Wakefield* - La Fontaine Center, Huntington, IN
Richard Walinch* - Pioneer Towers, Sacramento, CA
Vera Wolpert* - Bishop’s Glen, Holly Hill, FL
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.
Undesignated Bequest:
“I give, devise and bequeath to Retirement Housing Foundation, currently with offices at 911 Studebaker Road, Long Beach, CA 90815, the
sum of $______ (or describe gift) to be used by the Foundation as it chooses.”
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 Retirement
Housing Foundation, currently with offices at 911 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 Retirement Housing
Foundation, currently with offices at 911 Studebaker Road, Long Beach, CA 90815, to be used by the Foundation 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 Retirement Housing Foundation, currently with offices at 911 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 legal
name of community. You should consult with your attorney about the specific provisions or language you need to include in your estate
planning documents. You may also choose language that will designate your bequest for a specific purpose. The information shown here is for
illustrative purposes only. For more information in confidence and without obligation, contact Paula Jameson, at (562) 257-5141.

16
The Gift That Gives Back
Imagine making a gift to RHF and then opening the mail a few
months later and finding a check from RHF made out to you.
If you didn’t know better, you might call RHF and say, “Hey,
what’s going on here? I gave RHF a donation a while ago and
now you’re giving money back to me. That is a surprise!”
You wouldn’t call RHF because you would have in your
possession a signed agreement with RHF entitling you to a
specific amount of money every year for the rest of your life.
This agreement is called a charitable gift annuity and it is one
of the most popular ways to support the future work of RHF.
Here’s how it works. Mr. Johnson is 77 years old. After
reviewing the information provided by RHF’s Director of Fund
Development and consulting with his advisor, he writes a check
for $25,000 and informs RHF that he wants a gift annuity with
payments on a quarterly basis.
According to the gift annuity rates recommended by the
American Council on Gift Annuities, Mr. Johnson’s age entitles
him to receive a quarterly check in the amount of $462.50.
This represents an annual annuity rate of 7.4 percent.
In addition to receiving regular fixed payments (partially taxfree),
Mr. Johnson will also receive an income tax charitable
deduction.
How does RHF benefit from this arrangement? The $25,000
is invested in a special annuity fund, expecting not only to
have enough to make the quarterly payments to Mr. Johnson,
but also to have enough left over after Mr. Johnson is gone
to benefit the mission of RHF or the residents of an RHF
community.
RHF has been issuing gift annuities for many years, as have
thousands of other charities. It is a wonderful way to benefit
those who support these charities, as well as set funds aside
for future use. Gift annuities can be obtained for the donor,
or by the donor for someone else. They can run for one-life
or for two-lives. They can be funded for any amount over
$1,000 with cash or marketable securities. Payments can begin
soon after the gift is made, or years later. This is an excellent
way to increase retirement income for anyone.
Gift annuities offer other advantages besides those mentioned
above. Would you like to learn more about RHF’s gift annuity
program? Paula Jameson, our Director of Fund Development,
can provide a tailor-made illustration showing you exactly
how a gift annuity can work for you. Please reach Paula at
562-257-5141 or call toll-free at 877-937-4743 and leave a
message for her to return your call, or you can also contact
her through our web site at www.rhf.org. or email her at
paula.jameson@rhf.org.
The Advisory Commission
Continues with A New Vision For
Tomorrow. (from left) Caroline
East, Vice Chairperson; Yuri
Masuda, Secretary; Rev. Dr. Robert
Potter, Chairperson; Alice Sexton;
Shirley Ann Trnka; Bill Warrick; Dr.
Dailey McPeak; Buni Rader; and
Virginia Joseph. (not shown: Kiku
Kawata, Mary King and Bob
Kasbohm.)
"If you haven't got any
charity in your heart,
you have the worst kind of
heart trouble."
-Bob Hope
16 A NEW VISION FOR TOMORROW

ANNUAL REPORT 2004 17
2004 Annual Meeting Major Donors
We are grateful to the following businesses that contributed to the
mission of RHF during our 43rd Annual Meeting in March 2004.
Thank you to the following:
PLATINUM $5,000
Bank of America • California Bank & Trust • Latham & Watkins
Sullivan Curtis Monroe • Tim Reuben of Reuben & Novicoff
GOLD $2,500
Comerica Bank-California • Harkins Builders, Inc. • Schochet Associates • Ziner, Kennedy & Lehan
SILVER $1,000
Camden Builders • John L. Holcomb of Hill, Ward & Henderson
Holcomb, Musemeche & Associates, Inc. • The Hermes Group • SC Anderson
Suffolk Construction Co., Inc. • Web Service Company • Westec Construction-David Stern
BRONZE $500
BNY Western Trust • CentiMark Corporation • DPR Construction, Inc. • Ice Miller-James Petersen
Irwin.Pancake Architects • Harvey Oringher of Stephan, Oringher, Richman & Theodora
Palmer, Kazanjian & Holden • Thompson Colburn, LLP • United Title Company • Valic Financial • Yokota & Associates
FRIENDS (& other)
Benrich Service Company • Compo Construction • Gillette Associates • Knobbe Martens Olsen & Bear • Shlemmer+Kamus+Algaze
Thanks you!

2004 DONORS
Corporate Office
The following people donated to designated funds (see page 20) through
the corporate office from 1/1/04 through 1/31/05:
Collen Adams
Sara George Adeh
Rico Alcaniz
Zenaida Almanza
Robert Amberg
Jarinar Amikhani
Anaheim Memorial Medical Center
Marlene Angell
Angelus Plaza Resident Council
Anonymous
Anonymous B
Bank of America Charitable
Distribution
George Bazou
Doris Bilbo
Edith Bishop
Ruby Bradley
Randy & Kim Brass
Susan & Sam Breuklander
Dennis Brown
Patricia Brown
Estelle Busche
Alberta Caler
Dianne & Daniel Carnell
Myrtle Campbell
William & Martha Campbell
Carmen Casillas
Gloria Caster
Carl Champion
Jack & Sherry Cheak
Jin Up Chung
Heather Cline
Maria Colon
Rita Collura
Richard Cutler
The Cloisters-Staff Members
Martha Crawford
Caroline Daniel
Roger Davey
John David
Lisa Davis
Virginia Deeds
Ericka Delahoussaye
Alice Dempsey
Hazel Dodson
Phyllis Drago
Jean Dremstedt
Conrad Dungca
Ray & Caroline East
Margie Edwards
Vicky Ellis
Norma Ericsson
Yolande Fantino
Maria Farrango
Linda Forsberg
Doris Frabizio
Virginia Garcia
Albert Gervais
Anna May Gillette
Mark & Melysa Golder
Joe Graham
Mary Groom
Julia Guerra
Young Bok Hahn
Marian Hamilton
Dee Hammer
Nancy Harrison
Stuart Hartman
Joanne Harvey
HASBRO, Inc.
Barbara Hawkins
David Heller
Sydnie Hinderstein
Dorothy Hough
Cheryl Howell
Ruth Hurst
Elizabeth Ikemeier
Jeanne Inman
Isho Hasso Isho
Shilimon Issa
Russ & Paula Jameson
Bernice Jeske
Ginger & Laverne Joseph
Eileen Justice
Teruo & Kiku Kawata
Jack & Teresa Kemp
Khajik Khajadourian
Gladys Kiekenapp
Arnold Kim
David Sa Kim
Sin Ae Kim
Youash Korkizdikeh
Jay Krause
Larry Krueger
Frank & Lillian Kriz
Souren Kurkjian
Paul No Pil Kwak
Paul & Alejandra Labbé
Harvey Laib
Helen Langpaap
Andrew Lee
Byung Hwa Lee
Jung So Lee
Ui Im Lee
Elma Lentz
Linda Listoe
Sang Ho Lim
Dorothy Lineberger
David Loose
Cynthia Lyons
Maria Marimba
Alfonzo Martinez
Agnes McCann
Tom & Yuri Masuda
Flore Mejicanos
Helen Miller
Jovita Miller
Lizbeth Murphy
Akhtar Mamood
Brian Magnone
Francine Marlenée
Morena Martinez
MATELL, INC.
Mayflower Gardens Pioneer Club
Mayflower Gardens Residents
Agnes McCann
Elias Mercado
Helen Meyer
Armando Meza
Richard Morris
Carol Mosman
Diane Moulton
Helen Miller
Rachel Mueller
Musical Theater West
Cathy & Robert Nathan
Charlotte Newcomb
Daphne Oakley
Harvey Oringher of
Stephan, Oringher, Richman
& Theodora
M. L. Pacer
Painting Professionals, Inc.
Hee Lun Park
Helen Peiker
Pence Endowment
Larry & Kay Petersen
Julia Pitt
Lisa Pourpasand
Vera Prahser
Siu Kuar Prasad
Buni & Bill Rader
Margie Rauen
Sylvia Reinke
Margarita Rey
Jeanne Richardson
Mary Risk
Bessie Robinson
Merlyn Robinson
Tina Robinson
Maria Rodriguez
Helen Rosen
Max Sandmier
Pauline Sandoval
Rev. Charles Schepel
Dr. & Mrs. Darryl Sexton
Judy Shaw
Mary Sherin
Joanne Silva
Doris Simmons
Susan Siverling
Frances Smith
Nina Smith
Fern Swart
Gina Sudar
Sandra Tercero
John Terry
Louella Thompson
E. G. Tillinghast
Marion Tooker
John & Shirley Trnka
E. M. Vandernbroeder
Ilse Verkouteren
Mercedez Vichez
V. J. Vincent
Veronica Vita
Ronald Wallace
Vivian Walters
William & Jean Moore Warrick
Julie Webb
Catherine Westbrook
Lucile & Merrill Whittier
Barbara Will
David Willingham
Wilka Wilson
Dawn Winson
Arlie Wymore
Catherine Westbrook
Barbara Will
Haelee Duk Yi
Tok Ye Yi
Kathryn Yoshimura
Melva Zweigle
Bolded Names: RHF staff
member of “RHF Team Givers”
H.A.N.D.S. (Helping Angels
National Donated Support)
Wal-Mart Store #2609
Wal-Mart Store #3477
Wal-Mart Store #3248
Wal-Mart Store #5154
18 A NEW VISION FOR TOMORROW

ANNUAL REPORT 2004 19
TRIBUTE DONATIONS
In Honor of
In Honor of Collen Adams
Mark Kadzielski
In Honor of Gertrude Chapman
Tom & Yuri Masuda
In Honor of Molly Dyer
William & Jean Moore Warrick
In Honor of Jared Hammer
Dee Hammer
In Honor of Dr. William Rader
Bob & Christina Potter
Bill & Jean Moore Warrick
Mr. & Mrs. Ronald Anatole
In Memory of
In Memory of Quillan Alderman
Ray & Caroline East
In Memory of Rex Chapman
Jim & Maddy Collinson
Dr. & Mrs. Darryl Sexton
In Memory of Oreta Pearl Embrey
Caroline East
In Memory of Jean Moore Warrick
(partial list at time of printing)
Collen Adams
Robert Amberg
Phyllis & Ron Anatole
Arne Anderson & Nita Whaley
Lois Bahm
Nada & Joe Battaglia
Earl and Earlene Bane
Ronald and Ruth Barclay
Muriel Baron
John & Madeline Beaston
Jane Bowen
George and Margaret Burgess
Christ Presbyterian Church,
Carlsbad, CA
Tony & Mary Colace
Virginia Coldwell
James & Madeline Collinson
Clifton Currin
Jean Dremstedt
Frank D’Onofrio
Conrad Dungca
Marie Dyer
Ray & Caroline East
Margery Edgerton
Robert & Dora Eilers
Donna and John Efroymson
Bob and June Fogle
Margaret Fulmer
Christine & James Gamble
Joyce & Arnold Glassman
Thelma Grier
Daniel Griffin
Paula & Russ Jameson
Laverne Joseph
William Kelly
Don & Mary King
Reinhold & Lydia Klein
Patricia Kliss
Jim and Pat Lagerstrom
Dianna Lally
George Lambert
Harry & Mary LeFever
Marion MacWilliams
Rudy & Delores Maegaro
Diane Martin
Tom & Yuri Masuda
Sylvia McKee
Teresa McManus
Nancy & Dailey McPeak
James and Roberta Miller
Norman & Frances Moore
Robert Moore
Bill & Jean Morrow
Douwe and Carola Nauta
Charlotte Newcomb
Bob and Christina Potter
William and Gerda Roche
Betty Sarikianos
Schochet Associates, Inc.
Darryl & Alice Sexton
Shadowridge Nifty Niners
Judy Shaw
Stewart Simington
Theodore & Patricia Sween
Norma and Jack Teel
John & Shirley Trnka
Edward & Louise M. Wagner
William G. Warrick & Linda Heid
William L. Warrick
Lucile and Merrill Whittier
Doug & Nancy Wickstrom
Knox & June Williams
Bill Warrick & Linda Heid
Anne E. Young
In Memory of Clark Harshfield
California Association of Homes and
Services for the Aging
Mr. & Mrs. W. E. Denny
Laverne Joseph
Schochet Associates, Inc.
John & Shirley Trnka
In Memory of Liz Moncrief
William Moncrief
In Memory of Joe Murray
Harvey Laib
Dr. Laverne Joseph
Don & Mary King
Lucile & Merrill Whittier
In Memory of Sally Wright
David Murphy
Dr. & Mrs. Darryl Sexton
2004 DONATIONS TO
RHF COMMUNITIES
The following donors contributed to
the corresponding community in 2004:
300 Main, Estacada, OR
Steve Adams
-True Value Hardware
Rick Barry
Rod Klawitter
-Skyline Tree Service
Pamela Lee
Mr. & Mrs. Robert Sanders
Angelus Plaza, Los Angeles, CA
American Legion Uptown Post 602
Angelus Plaza Resident Council
Bud Hopps
Eliza Jen
Rochelle LeBlanc
Phoebe Liebig
Margarita Medina
Ulysses Ortillo
-LA Council of Filipino American
Lupe Silva Mr. Park
-Korean Friendliness Club
Councilmember Jan Perry
Liz Wong Mr. Yu
-Chinese Resident Service Club
Benson Manor, Smyrna, GA
Antonina Bilyj
Betty Luke
Gladys Phinney
Catherine Westbrook
Bixby Knolls Towers, Long Beach, CA
Marge Casper Brad Elliott
Marjorie Grommé
Winnie Krainiak
Esther Marlette
Ola Mae Reynolds
Hal Spivack
Camelot Village, Council Bluffs, IA
Campbell Family
Boudreau Family
Earl May Nursery
Family Psychological Services
Kent Family
Holland Family
Perkins Family
Sherbondy’s Nursery
Smith Family
Village Inn
Wal-Mart
The Carlin, Arlington, VA
Lula Mae Jackson
Capital Court, Corydon, IN
Capital Court Residents & Staff
Pete Green
Janet & Roger Meek
New Hope Wesleyan Church
Tell City Church of Christ
Youth of St. Joseph
The Carolinian, Florence, SC
Alzheimer’s Association
Cornerstone Gardens, Houston, TX
George Glasgow
Clara Jones
Rita Melnyk
Rosalie San Andres
Chuck & Vicki Shaffer
DeSmet, Florissant, MO
Tom McDermott
Joe Mackowski
Tammie Schnelle
Dogwood, Milledgeville, GA
Rinko Hada
Kappa Epsilanchi
Nora Vinson
The Gateway, Poway, CA
Anonymous
Gold Country, Placerville, CA
Victoria Dibbern
The Heartland, Peoria, IL
Agency on Aging
Butternut Bakery
CI Agency on Aging
-Richard Landowne
Gray Interplant Systems
Flora Doss, Insight Communications
Susan Franklin, Heartland Residents
Council
Ruby Hanson
Bob Hall, Canteen Vending
Company IPMR
Kroger Stores, Inc.
Rev. Sam Jefferson
Kathy Jordan
Muir Omni-Graphics
Janell Walker
Becky Zenko & family

2004 DONORS
Lake Ella Manor, Tallahassee, FL
Christian Heritage Church
Rotisserie Grill
Maxim Healthcare
Senior Care Services
City of Tallahassee
La Mirada Vistas, La Mirada, CA
Lois Alexander
Esther Chesani
Joanne Dixon
Barbara Flores
Virginia Frani
Mike Jeong
David Kalilli
Korean Families
Mabel Langley
Diane Lecoq
Gloria Ramos
Sam’s Club
Samuel & Alicia
Joe Thilbault
Vons Supermarket
Lowell Place, Bakersfield, CA
S. C. Anderson
Los Arcos, Poway, CA
US Bank
Madison Heritage Apt.,
Madison, IN
Marie Block
Jefferson Co. Goodwill
Conservation Club
Felicia Kleopher
Forrest Moye
Twila Thompson
Louis Weatherall
Monona Meadows, Monona, WI
Gerry Fregien R.Ph., Medicine Shoppe
Madison Girl Scout Troop #430
Joyce Kohlhoff
Monona State Bank
Monona Grove Business
Men’s Association
Miracle Manor, Edna, TX
Claudine Dettrich
Viola Mendiola
Sowders Jackson
Wal-Mart
Olson Rotary Village, Delano, Ca
Tom & Yuri Masuda
Rotary Club of Delano
Richardson Manor, Milwaukee, WI
Faith Church
Park Place, Seattle, WA
Circuit City (Shawna)
Park Place, Seattle, WA
Costco
Ivar’s Acres of Clams
Paul Jolley
Sam’s Club
Seattle Art Museum
Sizzler Steakhouse
Pioneer Towers, Sacramento, CA
Anonymous
M. Dorothy Cox
Don King
Plymouth Square, Stockton, CA
Eveleth Miller
Prairie Grove Apts., East Prairie, MO
Jim Blumenberg
Sun City Gardens, Sun City, CA
Anonymous
Joe Bonk
Kim Burger
Marie Farrago
Southdale Tower, Anderson, IN
Cracker Barrel
Bob Evans
Perkin’s
Ponderosa
Texas Roadhouse
Joseph Woschitz
Symphony Plaza East, Boston, MA
Northeastern University Community
Service Class
Boston University Huntington
Theater Co.
Symphony Plaza West, Boston, MA
Northeastern University Community
Service Class
Boston University Huntington
Theater Co.
Greater Boston Youth Symphony
Orchestra
Northeastern University office of
Government Relations
Lisa Murphy
Sunny Isle, St. Croix, USVI.
Oliver Exterminating
Verde View Senior Apts., Camp
Verde, AZ
Wal-Mart
Village Pointe, Norfolk, VA
Amour Home Care
Blockbuster Video
City Deli
Chesapeake Bagel
Compo Construction
Connie’s Cleaning
Dolphin Heating & Cooling
Dycarp Carpet Cleaning
Evans Harvey + Associates
Mrs. Fields Cookies
Food Lion
Food Lion-Colley Avenue
Gene Walters Marketplace
Golden Corral
Hollywood Video
Mike & Linda Linnon
Katie Moog
-Norfolk Botanical Garden
No Frill Grill
Norfolk Florist
Old Dominion University
Outback Steakhouse
Starbucks
Target Stores
Tripps
Wal-Mart
Yellowwood Terrace, Clarksville, IN
Lisa Bruce
Michael Sands
Pauline Simmons
Millie Wundrak
Yorkshire Place, Cape May, NJ
Acme Market
Little Italy Restaurant
Lobster House Restaurant
Poolo’s Florist
Ryan’s Cleaning Service
Super Fresh Food Market
Shoprite Markets
Victory Bakers
Washington Inn Restaurant
Every attempt has been made to
honor each contributor by listing
their name. If you find an
inaccuracy or omission, please
contact Paula Jameson, Director of
Fund Development at (562) 257-5141.
Thank you for caring about RHF, our
residents, and our mission.
“I expect to pass through
life but once. If,
therefore, there can be
any kindness I can show,
or any good things I can
do to any fellow human
being, let me do it now,
and not defer it or
neglect it, as I shall not
pass this way again.”
-William Penn
RHF Funds
Donors wishing to help our mission may designate their contribution for any of the following RHF established funds:
• Affordable Housing Fund-assists RHF in preserving and creating new affordable housing;
• Clark Harshfield affordable Housing Building Fund.
• Resident Benevolence Fund-provides funds to RHF residents who cannot afford to live in their RHF home anymore.
• Children’s Education Fund-provides elementary school children-in-need with the purchase of school clothing, school books and
other school supplies and tutoring services
• Annual Holiday Toy Drive Fund-provides holiday toys for RHF children-in-need. We distributed over 700 toys to RHF kids in 2004!
• Jean Moore Warrick Endowment Fund for Resident Benevolence-an endowment fund in memory of Jean Moore Warrick, RHF’s
board member who dedicated twenty-five years of volunteer service to making a difference in the lives of our residents.
20 A NEW VISION FOR TOMORROW

ANNUAL REPORT 2004
Bring Happiness To Others
In 1961, Retirement Housing
Foundation (RHF) was founded
by two United Church of Christ
clergymen and a layman who
wanted to make a difference.
Today, RHF houses and serves
more than 15,000 people including
retirees on fixed incomes, persons
with disabilities and economically
disadvantaged families with
children. You can help us make a
difference in the coming year and
beyond!
The RHF Gift Annuity - Providing You With Lifetime Income
Your investment in the Retirement Housing Foundation Gift Annuity will:
Help people live dignified lives
Build new affordable housing
Give dignity to those who cannot afford housing
Investing from your heart to help the lives of people provides you with the
following benefits:
Guaranteed Lifetime Income
Tax Savings
Favorable Rates of Return*
RHF Circle of Friends Membership
*Sample Gift Annuity Rates of Return
Note: Call us for all other age groups. Rates subject to change.
Single Person Two Persons
Age Rate Younger Age Older Age Rate
65 6.0 65 71+ 5.8
70 6.5 70 72-74 6.0
75 7.1 75 78-79 6.5
80 8.0 80 83-84 7.2
85 9.5 85 87 8.1
90 11.3 90 91 9.5
Call us for your
complimentary brochure:
Your Guide to
Charitable Gift Annuities.
Call us about
RHF Gift Annuities.
562-257-5141
Toll Free:
877-937-4743
Email: info@rhf.org
A copy of RHF’s registration statement & financial information may be obtained at no cost from the Department of Consumer Affairs,
or by contacting RHF directly at (562) 257-5141 or TOLLFREE at 877-937-4743.
21

Retirement Housing Foundation ®
911 N. Studebaker Road, Long Beach, California 90815-4900
Tel: 562-257-5100 Fax: 562-257-5200
Toll-Free: 877-YES-4RHF (877-937-4743)
TDD (800) 545-1833, ext. 359
Website: www.rhf.org Email address: info@rhf.org
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