/c o n t e n t s /

2 / Letter from the Chair—N. Joyce Payne

3 / Letter from the President—Robin Talbert
4 / Job Skills and Scholarships
8 / Building Wealth, Protecting Consumers
12 / Promoting Helpful Benefits
14 / AARP Foundation Litigation
16 / Strengthening the Fabric of the Community
20 / Individual Donors: Real Support
24 / Foundation and Corporate Support
28 / The AARP Foundation Board of Directors
29 / The AARP Foundation Leadership Team
30 / Summary of Financial Information

ii AARP Foundation Annual Report / 2009 AARP Foundation Annual Report / 2009 1
 Letter from the Chair
j o y c e pay n e
Chair of the Board, AARP Foundation
In 2009, AARP Foundation’s charitable work
moved forward, helping millions of older
persons in need feel more secure, protected
and empowered. The Foundation staff, led by
Foundation’s president, Robin Talbert, carried
out these efforts flawlessly.
These dedicated men and women have
displayed an unyielding commitment to
making a positive difference in others’ lives
—for the mother who can live her dream
and provide for her family because of the
Women’s Scholarship Fund, for the father
who lands a new job using WorkSearch
after long-term unemployment and for
the grandparents who visit the AARP
Foundation Grandparent Information Center
to find tools to help the grandchildren in
their care excel in school.
I have been inspired, too, by the many
Foundation volunteers, clients and allies I
have met from coast to coast. In March, for
example, Foundation Board members visited
a government center in Virginia where AARP
Tax-Aide Program volunteers were helping
walk-in clients complete their tax returns.
The hugs and proud smiles of achievement
when each return was signed won praise
from the IRS staff who accompanied us. It
was the type of rewarding experience we see
time and again.
As 2010 dawns, we will bid a fond farewell
to Robin Talbert, who will retire from AARP
after 21 years of service, including seven
years with the AARP Foundation. Her
2 AARP Foundation Annual Report / 2009
Letter from the President
R o b i n Ta l b e rt
President, AARP Foundation
outstanding leadership and commitment The AARP Foundation has had a profound
have created the pathway for the impact on lower-income people. In 2009,
Foundation’s continued success in the years in the midst of the longest recession in our
ahead. nation’s history, AARP Foundation helped
As we enter a new decade, I truly believe more than 5 million older Americans,
that if we remain steadfast to the goals of the delivering services, information, education
AARP Foundation, we can bring renewed and legal advocacy to assist them in getting
hope for a better future to those who have help to meet crucial needs for food, health
lost it. We can break the cycles of poverty care and housing; finding work; avoiding
and social isolation. becoming victims of fraud; and managing
their finances.
We can move millions Here are just a few examples of what we
accomplished:
into the mainstream • Thanks to our army of 34,600 dedicated
of American promise Tax-Aide volunteers, more than 2.6 million
and prosperity. Working people received free tax-preparation
assistance.
together, we can • We helped people obtain financial security,
accomplish all of this— providing on-the-job training to more than
20,000 low-income adults, helping 32,500
and much, much more. more with skills assessment and job-finding
help and awarding scholarships to 108
women age 40-plus who had tremendous
potential but very few resources.
• After three years, our Volunteers in
Consumer Fraud Prevention Project reached
a milestone in 2009 when they contacted
the 2 millionth potential fraud victim.
• Through our Benefits QuickLINK program,
we helped nearly 31,000 low-income older
people learn about benefits designed to help
them pay for groceries, prescription drugs,
heating and other necessities.
We received a heartfelt letter in October from
90-year-old Dorothy Wever of California that
focused on AARP’s founder, pioneer educator
Dr. Ethel Percy Andrus. The letter serves as
a testament to the values of independence,
dignity and self-sufficiency that Dr. Andrus
espoused—and the values that drive the
work of the AARP Foundation to this day.
During the Great Depression, Ms. Wever
attended Abraham Lincoln High School in
East Los Angeles, where Dr. Andrus was
principal, and worked in her office during
her study period. “My family was very poor,”
the former student wrote us, “and I was the
only one in the senior class who could not
afford a class sweater. She arranged for me
to help the janitor wash desks, windows and
floors to earn me enough to buy a sweater.
She also helped me get my first job. It is so
wonderful what she accomplished in her
lifetime. I am very proud to have known her.”
We appreciate those
kind words, and strive
every day to bring life to
our founder’s motto: “To
serve, not to be served.”
AARP Foundation Annual Report / 2009 3
 > During the 2009 economic recession, many people in
midlife felt that their lives were being dismantled. The
AARP Foundation provided the tools they needed: job-
search assistance, hands-on training and scholarships
to g e t h e r c r e at i n g o p p o r t u n i t i e s /
for promising women. Together we worked to rebuild the
American dream.
Job Skills and
Scholarships Job and Career Help
More than 32,500 mature job-seekers turned to
our online WorkSearch program to assess their
skills, get tips on resume-writing and interviews
and find job listings. In a new twist, we offered
one-on-one coaching for the first time on a pilot
basis—an idea that met with great enthusiasm.
One client was 61-year-old Elias Fernandez,
who was laid off in February from his job as a
computer programmer and database developer.
His optimism about leveraging his two decades
of experience to find a new job soon faded.
Fernandez feared the poor economy and his age
were working against him. Putting Skills to Work Patricia Kemp assisted
Fortunately, a friend told him about WorkSearch. a number of people with their job searches by
He logged on to the website and requested a volunteering with our WorkSearch program. She
new service—personal help from a volunteer. coached clients by phone from the AARP National
Office in Washington, D.C.
Soon after, he received a call from Patricia Kemp,
a retiree with extensive experience in defense-
related logistics and information technology.
Kemp called Fernandez every week to discuss experience—and they don’t know how to go
his job search and tap into her knowledge. By down deep inside themselves and find it.”
phone, they practiced interview techniques,
which Fernandez began using at local job fairs. “My thinking about the jobs
After assessing the job market, Kemp suggested
he consider a career change. One option was I can do and how to find
combining his computer expertise, bilingual skills
and passion for teaching into communications-
one has changed so much,
technology marketing. and it’s all because of Pat
Kemp pushes all her clients to believe in
themselves and to think more creatively
Kemp and the WorkSearch
about what they can do: “People often don’t program,” Fernandez said.
recognize that there’s much more to them than
they think—more talent, more power, more
4 AARP Foundation Annual Report / 2009 AARP Foundation Annual Report / 2009 5

Tough Love in Tough Times “We listen to the
clients, and then we tell them what other people
we’ve worked with have done, and we say, ‘You can
do that, too.’ And you know what? People find out
they can.” Charles Talley, a WorkSearch volunteer
who had worked as a U.S. Postal Service manager for
35 years.
Two generous grants advanced these and other
efforts. West Virginia officials awarded $175,000
to the Foundation to integrate WorkSearch into
the state’s Comprehensive Career Centers, and
Microsoft donated $100,000 for WorkSearch
pilots in New York City and Seattle, Washington.
Quick Action on Job Training
Thanks to our experienced staff, we moved
quickly to put lower-income people to work after
our Senior Community Service Employment
Program (SCSEP) received an additional $18
million in federal grant support in February.
Within weeks, 1,221 participants had been
enrolled in local job-training programs (a number
that grew to more than 2,000 by year’s end).
This rapid response enabled participants to gain
work experience with nonprofit organizations,
local groups or government agencies. With more
people helping, the organizations were able to
serve their communities better. Clearly, it was a
win for all involved.
By the end of the year, 20,127 people had
participated in our SCSEP program.
6 AARP Foundation Annual Report / 2009
Women’s Scholarship Program
To thrive in the tough job market, a good
education is essential for people of all ages. Our
Women’s Scholarship Program tackled this
problem head-on for the third year. Scholarships
were given to 108 outstanding women age 40
and above with low financial resources but high
potential. Underwritten by individual donors,
members of the AARP Foundation Women’s
Leadership Circle and the Wal-mart Foundation,
the scholarships helped cover tuition, fees
and books at community colleges, technical/
vocational schools and four-year universities.
Tshaye Taylor, 61, of Washington, D.C., was one
of the first recipients of an AARP Foundation
Women’s Scholarship award. She used it to
complete classes in business-application software.
Then she gave back by helping to screen the
more than 2,400 applications submitted for our
2009 scholarship program.
“I was out of the workforce
for 17 years to care for my
ailing husband, and didn’t
know how to get on the
right path,” Taylor said. “The
Foundation scholarship
provided a stepping stone
to my goals.”
AARP Foundation Annual Report / 2009 7
 > For those who were already struggling to make ends meet,
the “Great Recession” hit them hard. Thanks to the generosity
of our donors and the dedication of caring volunteers, the
AARP Foundation provided proven and innovative ways to
to g e t h e r c r e at i n g o p p o r t u n i t i e s /
help vulnerable adults remain self-sufficient. Together, we
worked to improve economic security.
Building Wealth,
Protecting Our 2009 efforts included free tax-preparation

Consumers
assistance, job-search help and scholarships to help
women earn their way to financial security.

Free Tax Help

In 2009, 2.6 million people received assistance
from AARP Tax-Aide. AARP Tax-Aide is the
nation’s largest free, volunteer-run tax assistance
and preparation service. This remarkable feat
was made possible through 34,600 dedicated
volunteers, most of who participate year after year.
One client, teacher Charlene Douglas-Flynn,
received more than free help with filing her
personal tax return at a Tax-Aide site in northern Fraud Fighting Heroes These AARP members
Virginia. She also got money-saving tips for the from Washington State warned potential victims
future from Debbie Herman, a full-time certified of telemarketing fraud from one of the AARP
public accountant who has helped others complete Foundation’s Fraud Fighting Call Centers.
their tax returns for more than 20 years. The gift of
service keeps giving: Herman’s daughter is now a
Tax-Aide volunteer, too.
Fighting Fraud
2009 Tax-Aide by the Numbers We achieved a milestone in preventing fraud in
• 2,627,000 taxpayers were assisted. 2009, by contacting our 2 millionth consumer
• $650 million in total refunds were achieved. about the dangers of telemarketing, Internet
• 193,000 people with low incomes received and other types of fraud. One by one since 2006,
a total $200 million in Earned Income Tax dedicated volunteers in our Consumer Fraud
Credits (a 9 percent increase over 2008). Prevention Project have called potential victims,
• 34,600 IRS-trained volunteers made it all whose names typically show up on con artists’
happen, averaging 75 clients each. “mooch lists” seized by law enforcement officials.

AARP Tax-Aide is available to taxpayers with low and moderate

incomes, with special attention to those 60 and older.
8 AARP Foundation Annual Report / 2009 AARP Foundation Annual Report / 2009 9
Geoffrey Groff-Smith of Bellevue, Washington,
is one of the fraud-fighters. He wanted to join
our project after his wife, who suffers from
moderate dementia, was repeatedly victimized by
sweepstakes scams. She would send checks for
$500 to $700 to cover “taxes” on her winnings.
“It’s hard for her to say no to anybody,” Groff-
Smith told the AARP Bulletin in July.
From nine call centers located across the country,
volunteers advised consumers on how to avoid
being scammed. At the kick-off of one of our
newest locations, in Denver, volunteers with the
AARP Foundation Colorado ElderWatch program
“smiled and dialed” more than 1,500 potential
victims. The ElderWatch program in West
Virginia also helps prevent fraud by participating
in this national public education effort.
A new website provided tips to help consumers
recognize, resist and report the frauds and scams
that could destroy their financial security.
Money Management
A personal lifeline was provided to more
than 6,000 vulnerable adults in 2009 who had
difficulty budgeting, paying routine bills or
keeping track of their finances. These frail or
disabled clients received help from the AARP
Money Management Program, thanks to 4,400
volunteers and support from nearly 150 agencies
in 24 states plus the District of Columbia.
With the assistance of funding from Harrah’s
Foundation, two program sites were added in
New Jersey (one of which operated on a test basis
from a senior housing development, making it
easier for residents to get help with their modest
finances).
Preventing Identity Theft
Thousands of Colorado and West Virginia
residents took advantage of the opportunity to
avoid identity theft by shredding their personal
documents at events co-sponsored by the AARP
Foundation ElderWatch program and the
attorneys general of those states. Cyber security
was also the focus of an informative event
held five times—due to popular demand!—by
AARP West Virginia, the West Virginia Attorney
General, the West Virginia Auditor’s Office, the
Social Security Administration, the National
10 AARP Foundation Annual Report / 2009
Avoiding Eviction and Celebrating Independence
A husband and wife from Beckley, West Virginia,
who suffered from physical and mental disabilities
faced eviction from their government-subsidized
apartment in 2009.
Staff of the Raleigh County Commission on Aging
realized the couple would be great candidates
for the AARP Foundation’s Money Management
Program. One of the program’s volunteers, David
Shilling (shown above), met with the couple and
began working up a sensible household budget that
separated “needs” from “wants.” Soon they had
saved enough to bring their rent up to date, turn the
phone back on, regain access to the storage facility
and even welcome a pet cat for companionship.
White Collar Crime Center, the National Cyber
Security Alliance, the Verizon Foundation,
Suddenlink and Comcast.
Supporting Caregivers
Caregivers were better able to fulfill those
responsibilities while building their own
long-term financial security, thanks to a $1.1
million gift from the Harrah’s Foundation. The
collaboration emphasized the devoted efforts of
African American and Hispanic caregivers in
specific areas, including the states of Mississippi,
New Jersey and New York and the cities of
New Orleans, Louisiana, Phoenix, Arizona
and Pittsburgh, Pennsylvania. In addition, we
provided employers with tools to help their
workers balance caregiving responsibilities with
their jobs.
AARP Foundation Annual Report / 2009 11
 > Navigating through the maze of available public and
private benefits programs can be difficult and confusing.
Many people don’t know what benefits are available, or
how to apply. Our Benefits QuickLINK website enabled
to g e t h e r c r e at i n g o p p o r t u n i t i e s /
nearly 31,000 people to learn about and apply for benefits
designed to help pay for groceries, drugs, home heat and
Promoting other necessities.
Helpful Benefits
Benefits Outreach
One appreciative client told
These efforts were bolstered through our vibrant
collaborations with 12 AARP state offices. For us, “QuickLINK provided
example, AARP Ohio made available Benefits
QuickLINK screenings to people who gathered
in just a few moments
for free health screenings during four stops of information that I’ve been
the AARP/Walgreens Wellness Bus tour—with
positive results. Twenty participants learned they trying to research and
were eligible for an estimated $46,517 in annual
benefits.
understand for months. I’m
New features were added to the Benefits truly grateful. Thank you!”
QuickLINK website, too. They included AARP’s
online tool for calculating the Medicare Part D
“doughnut hole” and the AARP Foundation’s
State Guides to Public Benefits.

Food Assistance
Sadly, only one-third of seniors who are eligible
for help with buying the food they need for
good health actually receive that benefit from
the federal Supplemental Nutrition Assistance
Program (or SNAP, formerly known as food
stamps). Our online SNAP map helped thousands
of people learn about and apply for the special
debit card that can be used like an ATM card at
most grocery stores, certain senior centers and
State-specific information to help people learn
nonprofit meal delivery services (such as Meals
about and apply for food benefits was available via
on Wheels).
an interactive map on the Foundation’s website.
We also focused policy-makers’ attention on
improving older Americans’ access to SNAP
during a December 2 forum held in
Washington, DC.

12 AARP Foundation Annual Report / 2009 AARP Foundation Annual Report / 2009 13
 > The AARP Foundation Litigation team stood up for the
rights of mature individuals in the courts throughout the
year. Victories included wins for vulnerable adults and for
homebuyers who had been ripped off by unscrupulous
to g e t h e r c r e at i n g o p p o r t u n i t i e s /
lenders. Together, we helped assure that older people had a
voice in the judicial system.
AARP Foundation
Litigation Health and Long-Term Care Drug Safety
In cases brought by AARP Foundation Litigation Diana Levine’s right arm was amputated after
attorneys, three federal courts protected the gangrene set in following a faulty drug-injection
rights of people of modest incomes to remain in procedure. She sued the prescription drug
their homes as they get older, with the help of manufacturer, which claimed it was subject only
supportive services funded by Medicaid. to FDA regulations, not state tort laws. The U.S.
As many as 8,500 low-income seniors in Florida Supreme Court sided with AARP’s friend-of-
will receive the option to transition out of the-court brief in upholding the victim’s claim
Medicaid-funded nursing home care and begin that federal regulations alone are not adequate
receiving help with eating, bathing, dressing and to protect consumers’ safety. When asked by
other needs at home or in the community. This the AARP Bulletin what she would do with the
landmark settlement was reached in a case that compensation coming her way after losing her
challenged the states’ bias toward institutional arm, Levine said “a garage,” so she’d be spared the
care. difficulty of cleaning Vermont’s snow off her car.

In California, 8,000 low-income adults retained Age Discrimination

access to the healing and comfort of adult day Ignoring AARP’s plea not to treat older workers
health care services after the court blocked the as second-class citizens, the U.S. Supreme Court
state from slashing funds for the program. A voted to impose a much higher standard of
similar court victory helped guarantee access proof for age-discrimination victims than for
to timely home- and community-based care for workers facing bias based on their race, gender
eligible Arizonans. or disability. Congress introduced legislation in
Predatory Lending October to overturn the ruling in Gross v. FBL
Financial Services, Inc.
Five members of the U.S. Supreme Court said it
would have been “bizarre” to get in the way of
state attorneys general seeking to enforce their
state fair-housing laws. AARP’s friend-of-the-court
brief had noted that states put in place stronger
borrower-protection laws after federal regulatory
agencies failed to curb pervasive predatory
lending practices.

14 AARP Foundation Annual Report / 2009 AARP Foundation Annual Report / 2009 15

to g e t h e r c r e at i n g o p p o r t u n i t i e s
> To help leverage what really works in helping vulnerable
adults become more financially secure, AARP Foundation
collaborated with a number of creative nonprofit and for-
profit organizations in 2009. Together, we made it better.
/

Strengthening One of them was CFED (the Corporation for

Enterprise Development), a national nonprofit

the Fabric of the

dedicated to expanding economic opportunity
for low-income people. We were proud to provide
lead sponsorship support for its innovation@cfed

Community
initiative, which included an October summit in
Washington, DC, that fostered lively discussions
on topics such as serving people who do not use
traditional banks and equipping young adults for
a lifetime of savings.
We also began following with interest the
work of four bold thinkers, whom CFED calls
“Innovators in Residence.” Their interplay with
our staff and others could help bring to life
the creative ideas they are exploring, such as
encouraging small businesses to provide direct- Banking on It Alma Islas helped us notify Spanish-
deposit of low-wage workers’ paychecks and speaking people with modest incomes about the
free tax preparation and bank account opening
making manufactured housing more available
services made available by Bank On Los Angeles.
and affordable by aggregating demand for it from
nonprofits nationwide.
AARP Foundation also teamed with Bank On money, and they have more knowledge about
Los Angeles (BOLA) to encourage more people using a bank account and all the money they are
with limited incomes to avoid high-cost, high- saving from check-cashers. “
risk services such as payday lenders and check-
cashing stores by learning about bank services
tailored to their needs. Alma Islas was one of “The experience was great.
the Latina volunteers known as “promotoras”
who worked on our behalf to get the word out To me, it’s important to
about the free tax preparation and bank account
opening services made available by BOLA. educate the community
Islas, who has lived in the area all her life, was like that.”
delighted at the results. “My basic process was
to say it was free, easy and you get your refund
back quickly. I told them they’d also get the
opportunity to see if they were eligible to open
a bank account, which I encouraged a lot of
members to do,” she said. As a result, Islas said,
“The people I helped have the idea of saving

16 AARP Foundation Annual Report / 2009 AARP Foundation Annual Report / 2009 17
 to g e t h e r c r e at i n g o p p o r t u n i t i e s /

Living Better in Post-Katrina New Orleans

Nearly four and a half years after Other first-year achievements included
Hurricane Katrina devastated New Orleans, the design and construction of a new,
older residents in one neighborhood have architecturally significant bus shelter; the
embraced an AARP Foundation effort to development of a small business directory
make their community more livable­—and featuring residents’ skills, trades, crafts and
a model for cities nationwide. talents; and, to underscore the importance
It’s taking place in Hollygrove, a mid-city of healthy living, a new, once-a-week
working class neighborhood with one walking club.
of New Orleans’ highest percentages of
residents over age 50. The hurricane’s wind
and water ravaged the neighborhood and
the lives of its 5,000 residents, 98 percent
of whom are African Americans.
Supported by a two-year, $230,000 grant
from the Harrah’s Foundation that began
in February 2009, AARP Foundation
began working with AARP’s Louisiana
office, older residents, community leaders,
architects and urban planners. The
goal is not only to address Hollygrove
residents’ concerns about transportation,
employment, crime and neighborhood
rebuilding, but also to actively involve
them in solving the problems.
Perhaps the most dramatic outcome of
the first-year efforts was an improvement
in public safety. Working with AARP
Louisiana and an international crime-
reduction expert, Hollygrove residents
incorporated community-oriented
policing strategies and met with property
owners where crime is a problem. The
result? According to the 2nd District
police commander, crime was reduced
dramatically in just eight months.
Importantly, for the first time since
Katrina hit in 2005, Hollygrove’s crime rate
dropped below the city’s average.

18 AARP Foundation Annual Report / 2009 AARP Foundation Annual Report / 2009 19
 > A thank you to our donors for their support in 2009.

to g e t h e r c r e at i n g o p p o r t u n i t i e s
Individual Donors
The AARP Foundation recognizes the following donors as of December 31, 2009: The Andrus Society
and The Leadership Society recognize outstanding philanthropic contributions to the AARP Foundation,
and AARP Foundation Women’s Scholarship Program sponsored by the Women’s Leadership Circle for
/
contributions received in 2009.

Individual The Andrus Society

Pillar ($10,000 - 24,999)
Stuart Cohen
Frederick S. and Dorothy S.
James H. Lentz
Helen Mandel
Chong-Ae Shah
Patricia D. Shannon

Donors: Real
Coleman Foundation Inc. Harl Mansur Rosemary M. Shearer
Anonymous
Mary T. Cooper Mara Mayor Kari Smith
Deborah Carstens
Hisako Coox E G McGuire Julia Stephens
Tena Clark
George Crystal Patricia McLaurin Mr. and Mrs. Gilbert Steward Jr.
Richard Gold

Support
Christina M. Danguillecourt Mae Mendelson Lynn Straus
Addison B. Rand and
Rose Dalziel Susan Miler Robert Strembel
Donna M. Rand
Ronda Deitch Bernard M. Minsk Sharyn Sutton
Robin Talbert and
James K. Donnell Alexander Mitchell Dawn Sweeney
Bruce Goldstein
Lorraine Driscoll Susan Morisato John D. Thompson
Harry and Jeanette Weinberg
Mary Drumheller Deborah Neff Henrietta Thompson
Curtis L. Carlson Family
Kathleen Dunagan Thomas Nelson Joseph Titus
Foundation
Joan S. Durant William Novelli Edward A. Torrero
The Leadership Society Welton Dykes Edward O’Day Neal Wallace
David and Kathleen Edmund Rose S. Ostrovsky Charles Weiss
Gold ($5,000 - $9,999) Raquel Egusquiza Shereen Remez Grant and Mary White
Anonymous Horst J. Emmerichs Constance Rhoden Leland White
Julie Robinson Geraldine Engle Donald O. Rimsnider Art T. Wong
Monica Estabrooke Michelle King Robson Randall Workman
Silver ($2,500 - $4,999) Ann Everetts Delores Roedel Janice Wright
Alembic Heath Communications Andrew W. Ewart John W. Rose Margaret Wyllie
Inc. Robert Fairfield Catherine C. Samuels
Association for Supervision and Linda Fisher
Curriculum Development Vera M. Fitzgerald
Sara Gadd A. James Forbes, Jr. Women’s Leadership Circle
KB Home Martha F. Ford
Nancy LeaMond The Women’s Leadership Circle (WLC) is a network of volunteer
Renee Fraser leaders, women of affluence and influence, who support the AARP
Raymond LeClerc Michael Freund
Jean Murray Foundation in achieving its mission and goals: specifically, to create,
Karen Gallardo enhance and protect opportunities and foster security for those at risk
Rob Romasco Jane Garnett
Dennis P. Wilbert and of having insufficient resources in the second half of life.
Jim Gomes
Joan R. Ruff Mary Grate-Pyos Cabinet Linda Fisher
Beth and David Whitehead Elizabeth Greene Deborah Carstens Karen Gallardo
Frederick Griesbach Tena Clark Mary Grate-Pyos
Bronze ($1,000 - $2,499) Curtis L. Carlson Family William Hall
William Hall
Gail Aldrich Foundation Joanne Handy
Stuyve Hamersley
Helen E. Baptist Harry and Jeanette Weinberg Brenda Kelley
Joanne Handy
Celia Blalock Nancy LeaMond
Hamilton Harris Members
Warren Bradley Mara Mayor
Faith D. Hogg Anonymous
James Bradley Maeona Mendelson
Ellen Hollander Gail Aldrich
Leon Briley Susan Miler
Gordon Hubbard Helen Baptist
Doug Britt Susan Morisato
Scott James Celia Blalock
GJ Brown Michelle King Robson
Stella Johnson Jennie Chin Hansen
Margaret Buckel Dennis P. Wilbert and
Denis Johnston Cora Christian
Jeremiah M. Callaghan Joan R. Ruff
Howland Jones Anita Cicero
Harry Campbell Chong-Ae Shah
George S. Kaufman Ronda Deitch
Alice Carrick Julia Stephens
Brenda Kelley Mary Drumheller
Jennie Chin Hansen Dawn Sweeney
Victor Kieser Kathleen Edmond
Arthur Christian Robin Talbert
Merlyn Kinchelow Raquel B. Egusquiza
Cora Christian Fred Lees Monica Estabrooke
Anita Cicero

20 AARP Foundation Annual Report / 2009 AARP Foundation Annual Report / 2009 21
The Andrus Legacy Society
The Andrus Legacy Society honors the work of AARP founder, Dr. Ethel Percy Andrus, and provides
recognition to individuals who name the AARP Foundation as a beneficiary in their will or estate plan, or
who make an irrevocable life income gift, such as a charitable gift annuity. These legacy gifts perpetuate
AARP’s legacy of caring and allow us to carry out our commitment to enhancing the quality of life for all
as we age.
We thank the following individuals, wishing to leave a lasting legacy, who have named AARP Foundation
as beneficiary.
Gifts through Bequests or
Estate Plans
Eddie Lee Anderson
Estates of Lee and Sachie
Baldwin
Estate of Virginia W. Dennison
Ray J. Harvie
Morton Horowitz
Thomas P. Patterson
William Michaelson Revocable
Living Trust
Elenor J. Miles
Estate of Duane S. Myers
Alfred A. Plonsky
Estate of Wava Naomi Randall
F. Virginia Rohde
Estate of Lloyd W. Sutherland
Steele Family Trust
Winsten Family Trust
Future Bequests
Anonymous (84)
Sam B. Atencio
Edgar E. Beck III
Shelley Buckingham
Kay Burch
Karen Gallardo
Joseph C. Giordano, Jr.
Harry Golden
Carol A. Henry
Joan and Claude LeBel
Keith A. Maas
Duane Myers
Marnay O’Neal
Anthony and Shirley Onesto
Anthony Perrin
Leon N. Phelps, Sr.
Gifts through Charitable
Gift Annuities, Charitable
Remainder Trusts, or Charitable
Lead Trusts
Anonymous (121)
Ms. Alice E. Smith-Abaté
A.K.N. and Nilufar Ahmed
Angel (Yino) Antongiorgi
Kathe Arzdorf
Herman C. Bainder
Lu and Charlie Bangert
H. Wayne and Anne Anne D.
Barbetti
Larry E. Barth
Ms. E.K. Bivens
Harriet J. Brown
22 AARP Foundation Annual Report / 2009
Frank Caliendo
William and Barbara Camburn
~Samuel and Annie Chadwick
Col. James M. Compton
Richard T. Corvetti
John R. Crane
Christine M. Cruz
James B. Cunningham
Charles C. Cuppy
Richard W. Custer
Aila G. Dawe
William H. and Vivian C. deBrito
Pamela Detering
James R. and Alice Di Meolo
Evelyn and George F. Eckhardt,
Jr.
Philip Ellgen
John C. and Genevieve~ Fairval
H. Feidelberg Creativity Blooms Kenneth Johnson of Wytheville,
Wilma S. Firsich
Gloria W. Francoeur Virginia, supported the Foundation in a creative
K.E. Freeman way—by participating in our 2010 calendar contest.
Sid and Betty Garvais His work, “It’s a Beautiful Day,” ranked highest of the
Mr. and Mrs. Stuart B. Gerber
Alice S. Gillisse
14 paintings selected to appear in the Foundation’s
2010 calendar from among 1,300 entries.
Jo. M. Gledhill and
Richard L. Bowman
P.K. Govind and Sally L.
Foundation donors and AARP members cast more
Luckenbach than 90,000 votes during a spirited and robust
Carmen Gutierrez online contest. Proceeds from calendar sales
Ruth~ and Ernie Hanford
support the Foundation’s life-changing work.
Ethel G. Harris
Hazel E. Hart
Alicia O. Hernandez
Jennie R. Medlin Frank and Maria Robinson
Jim and Sally Hershberger
Elizabeth Anne Meek Julie Robinson
Forrest L. Hirst
James R. and Alice Di Meolo Mrs. Helen P. Rogers
Marjorie Hill Hoar
Rolph S. and Ann E. Michaelson Nick and Florence Rulli
Harriett~ F. Hofflund Kenneth D. Miller Daniel and Audrey Schechter
Robert R. Holmes George Mitchell John A. Sena
Eric R. Jensen, Ph.D. May Moore H. Boyd Skelton
Joline Larkins Dr. Ed Mueller Esther H. Smith
Maryon Patricia Lears William M. Myers, Jr. June R. Strachan
June Lees Eugene D. Nasatir Gordon Streib
Hazel A. Lewis Ruth Nolte Thomas Tomkiewicz
Janis Lewison Joseph Pavone Alexander Volk
Rev. Raymond A. Ley In Memory of Karl Herrick L. Robert and Elise Warn
Mr. and Mrs. Lloyd R. Loven Elwyn Pinks Harvey M. Weitkamp
Robert Luth Hernando Pinzon-Isaza Glenn H. Wing
Frederick R. and Virginia Theodore and Eleanor Pirozek June Yip
McCammon Ed and Jeanette Ray
Hugh W. McCarron Mary Ellen Reid
Sara C. McGahan
Key: ~ - Deceased
AARP Foundation Annual Report / 2009 23
 > It was heartening for us to collaborate with so many
organizations and institutions that generously shared
their resources--despite troubled economic times--to help
low-income adults become more financially secure and
to g e t h e r c r e at i n g o p p o r t u n i t i e s /
independent. The benefits of their generosity extended far
beyond the AARP Foundation initiatives they supported. Our
Foundation gratitude, and that of the more than five million people who
and Corporate received much-needed help, knows no boundaries.

Support Research Education and Jobs

Research is pivotal to understanding what has
worked in the past, and why particular efforts
succeed or fail. Failure to undertake solid research
is like building a house without a foundation.
A $500,000 grant from The Atlantic
Philanthropies in support of the AARP
Foundation’s new center on poverty and aging
will illuminate the financial security needs of
low- and moderate-income older people and how
they can best be met. Given that the number of
U.S. residents aged 50 and older is projected to
double by 2050, the grant will provide research
insights to guide development of policies that will
ensure that older people’s needs are met without
bankrupting younger generations or the federal
government.
In the same vein, the Bill & Melinda Gates
Foundation—in its first grant to AARP
Foundation—committed $374,000 to support
in-depth research for our Preparing for a
Workforce without Boomers initiative. Findings
and recommendations from this study on the
approaching demographic shifts and their
impact on the U.S. workforce will be published in
October 2010.
When it comes to living in poverty, women
have an unfortunate edge—especially during
their retirement years. While working, women
typically earn only 77 cents for every dollar that
men earn and devote far more unpaid time to
raising a family or caring for older relatives.
Women also live longer, stretching their meager
nest eggs even thinner.
One solution to this multi-faceted problem,
the AARP Foundation Women’s Scholarship
Program, has blossomed since its introduction in
2007. Supported in part by generous donations
from members of the Foundation’s Women’s
Leadership Circle, the scholarships have allowed
almost 300 remarkable women to get the
education and training they need to obtain better
jobs today and a financially secure retirement
tomorrow.
Although more than 2,400 women applied for
our 2009 scholarships, funding was adequate
to support only 63 scholarship awards. A
much-needed shot in the arm arrived later
in 2009, when the first installment of the
Walmart Foundation’s $1.5 million grant to
the Women’s Scholarship Program arrived.
Thanks to this foundation’s generosity, an
additional 45 promising women age 40+ received
scholarships—including assistance with college-
level tuition, books and fees—this year.

24 AARP Foundation Annual Report / 2009 AARP Foundation Annual Report / 2009 25
Meanwhile, the number of unemployed workers
age 55 to 64 has nearly tripled in the last two
years. Thanks to AARP Foundation’s WorkSearch
program, more than 32,000 mature adults
received assistance with skills assessments, job
openings and more in 2009. WorkSearch greatly
benefited from the generous support of both
Microsoft, which gave $100,000 to help expand
its services in Seattle and New York City, and
Denver’s Rose Community Foundation, which
provided a $10,000 Boomers Leading Change
grant to WorkSearch.
Helping People Who Help Others
Each year, more than one of every five adults
provides unpaid care to older adults or disabled
family members. Most of these caregivers (60
percent) work full-time. AARP Foundation has
several initiatives to help caretakers, their families
and their employers -- all made possible with help
from these corporate and foundation donors.
• Harrah’s Foundation provided a $1.1 million
grant for Meeting America’s Caregiving
Challenge, a comprehensive community-based
strategy to help current and former caregivers
fulfill their responsibilities while continuing to
build their own long-term financial security.
• The John A. Hartford Foundation provided
a $698,364 grant to support the second phase
of Professional Partners Supporting Family
Caregiving, which helps nurses and social
workers meet the needs of family caregivers.
• New York Life Foundation donated $319,000
to support Integrated Kinship Caregiving in
the state of New York. Thanks to this grant,
AARP’s New York state office provided
advanced training to professionals who work
with children and the older relatives, usually
grandparents, who are raising them.
Helping People Meet Basic Needs
On April 14, 2009, an AARP/Walgreens Wellness
Tour Bus began a two-year tour across the U.S. By
the time the bus comes to a final stop, it will have
visited more than 3,000 cities, providing more
than 2.5 million people, mostly in underserved
communities, access to free health screenings and
the opportunity to take part in the Foundation’s
Benefits QuickLINK (BQL) program. BQL helps
26 AARP Foundation Annual Report / 2009
low-income older people find out if they may
qualify for federal, state and local assistance to
help them cover the costs of food, prescription
drugs, housing, utilities and other essential needs.
Promoting, Protecting and Preserving Assets to g e t h e r c r e at i n g o p p o r t u n i t i e s /
AARP Foundation’s Tax-Aide Program provided
income tax preparation services to nearly 3
million low- and moderate-income Americans With Gratitude
who received free, one-on-one assistance from
a small army of 34,600 dedicated volunteers.
The AARP Foundation is very grateful to New The generous contributions of the Isaac H. Tuttle Fund
York Life Foundation, whose $300,000 grant following organizations helped AARP United Health Foundation
helped Tax-Aide create a user-friendly, Web- Foundation improve the quality of life UnitedHealth Group, Inc.
based volunteer recruitment tool that helped United States Department of Health &
for older adults in need.
raise the program’s volunteer retention rates and Human Services, Administration on Aging
satisfaction levels even higher. Anonymous
United States Department of Housing &
Our Western Union and MoneyGram Consumer AARP Urban Development
Fraud Prevention Projects use fire to fight fire.
The Atlantic Philanthropies United States Department of Labor
Since 2006, our volunteers have telephoned
Bank of America United States Department of the Treasury,
more than 2 million people to warn them
Colorado Attorney General’s Office Internal Revenue Service
against giving money or personal information
to scammers who may call asking for this The Commonwealth Fund Walgreen Co.
information. Even better, the volunteers give The Bill & Melinda Gates Foundation Walmart Foundation
them the tools to fight back and report the callers Washington State Attorney General’s
Google, Inc.
to the police. In 2009, thanks to $367,000 in Office
multiple Campaign for Wise and Safe Investing Harrah’s Foundation
Western Union
grants from Investor Protection Trust, investor The Hartford Financial Services Group, Inc.
education efforts were undertaken statewide Verizon
The John A. Hartford Foundation
in Alaska, Arkansas, Maine, Tennessee, West
Investor Protection Trust
Virginia and Wisconsin.
MetLife Foundation
The quality of long-term care services provided
in the United States ranges from the sublime Microsoft Corporation
to the atrocious. Thus we are very grateful MoneyGram International, Inc.
to the Commonwealth Fund and the SCAN New York Community Trust
Foundation for supporting our study about
New York Life Foundation
feasibility of a state-by-state scorecard to help
consumers rank long-term care services. These PG&E Corporation
grants also supported our consensus-building Robert Wood Johnson Foundation
efforts to determine what a high-performing Rose Community Foundation
long-term care system would look like. Each
The Home Depot
organization contributed $87,640, with SCAN
supplying an additional $7,600, allowing us to The SCAN Foundation
begin work a month earlier. The Alfred P. Sloan Foundation
State of West Virginia
State of West Virginia, WorkForce
West Virginia
AARP Foundation Annual Report / 2009 27
 The AARP Foundation Board of Directors
Front row (left to right): Art Ulene, Fernando Torres-
Gil, N. Joyce Payne (chair), Joan Ruff, George Rowan
Back row (left to right): Bruce Corson, Joanne Handy,
Tom Nelson, Madeleine Moore-Burrell, J. David Nelson
Members of the AARP Foundation Board of
Directors are elected to serve two-year terms.
For the 2008-2010 biennium, they are:
N. Joyce Payne (Board Chair)
N. Joyce Payne, EdD, is an academic, executive and authority
on women’s issues from Rocky Mount, North Carolina. She
is a member of the AARP Board of Directors and serves on
its Audit and Finance Committee. Dr. Payne is executive
director of the National Endowment for the Public Trust, an
organization committed to advancing principled leadership,
inspired scholarship and trusted stewardship. She accepted
this position following her retirement as vice president
of human resources and minority programs for the
National Association of State Universities and Land-Grant
Colleges. She founded the Thurgood Marshall Scholarship
Fund, which has awarded over $50 million in scholarship
assistance and capacity-building support.
George Rowan (Vice Chair)
George Rowan, PhD, is a professor from East Lansing,
Michigan. He is a member of the AARP Board of Directors
and serves on its Member Value Social Impact Committee.
Previously he served as AARP Michigan State President. Dr.
Rowan is a professor at Michigan State University (MSU)
and holds an extension appointment. He has been involved
in a wide range of health and educational committees and
organizations, including the Michigan African American
Health Institute. Previously, he was director of the David
Walker Research Institute at MSU and assistant dean for
external relations, following service as a principal in the
Grand Rapids, Michigan public school system.
28 AARP Foundation Annual Report / 2009
Joan Ruff (Treasurer, Finance Chair)
Joan Ruff, JD, of Mission Woods, Kansas, recently retired
after more than 30 years in the private sector. She spent
the last 10 years of her career as assistant vice president of
knowledge development for H&R Block, and as executive
vice president for corporate development at Zurich Financial
Services-North America. Ms. Ruff has been active in
community and professional groups for more than 30 years.
She has served on the executive committee for the Mid-
Continent Council of Girl Scouts and as national delegate for
the Girl Scouts USA. She currently serves on the Electronic
Tax Administration Advisory Committee.
Joanne Handy (Audit Chair)
Joanne Handy, RN, MS, is a nurse and executive from San
Francisco, California. She is a member of the AARP Board
of Directors and serves on the AARP Insurance Trust. Ms.
Handy became president and CEO of Aging Services of
California in 2009 following 10 years as president and CEO
of the Visiting Nurse Association of Boston. Previously, she
headed the San Francisco-based Institute on Aging. In her
prior volunteer efforts, Ms. Handy was a board member of
the Visiting Nurse Associations of America, the National
Association of Home Care and the California Association for
Health Services at Home.
Arthur Ulene (Development Chair)
Art Ulene, M.D., of Los Angeles, California, is a Board-
certified obstetrician/gynecologist who spearheaded the use
of television and other vehicles to promote public health.
The NBC Today Show featured his health reports for 23
years. He has written more than 50 health-related books
and home video/audio programs. A faculty member at the
University of Southern California (USC) School of Medicine
for 20 years, he now serves on the Boards of Councilors for
the USC School of Pharmacy and the USC Leonard Davis
School of Gerontology and on the Advisory Boards for the
USC/Norris Comprehensive Cancer Center, the Claremont
Graduate University School of Community and Global
Health and the Children’s Partnership.
Madeleine Moore-Burrell
Madeleine Moore-Burrell of New York City is an expert in
multicultural marketing. She founded Moore Creative, the
first African American marketing firm awarded a post-
apartheid contract with South Africa, launching the Sister
City agreement between New York City and Johannesburg.
For over a decade she marketed the annual New Orleans
Essence Music Festival. As co-founder of the National
Professionals Network, Inc., she has brought thousands
of African American professionals and industry leaders
together for the past 20 years at an annual Leadership
Summit at Sea conference.
Bruce Corson
Bruce Corson, MBA, of Chicago, Illinois, has owned and
managed companies for 30 years in a variety of industries,
supplying consumer products from footwear to frozen
foods. This self-described “eclectic entrepreneur” has devised
creative solutions to the innumerable challenges confronting
executive managers. He co-founded PeerHQ, a nonprofit
that assists companies in engaging with their customers
and business cohorts in informal advisory board settings.
In addition to his entrepreneurial activities, he served for
six years as chair for TEC International, an organization
of senior executives who meet in small groups around the
world to capitalize on the power of peer learning.
J. David Nelson
J. David Nelson, MBA, is a business leader from Old
Greenwich, Connecticut. He serves on the AARP Board
of Directors and its Audit and Finance Committee. In
2009 Mr. Nelson was appointed executive vice president
of VaporStream, Inc., a Chicago-based software company.
Previously, he was chief operating officer of the National
Foundation for Teaching Entrepreneurship following an
extensive career with IBM that spanned 33 years. As a
volunteer, he serves on the advisory board of Envision
EMI, which creates unique experiences for high achieving
young people, and is a mentor to graduate students at
Northwestern University’s Kellogg School of Management.
Thomas C. Nelson
Tom Nelson, PhD, is AARP’s chief operating officer.
He is responsible for key AARP operations, including
membership, social impact, communications, people strategy
and community service and field delivery capabilities. Since
joining AARP in 1980, Mr. Nelson’s many contributions
include expanding AARP’s state capacity, strengthening
the advocacy team, developing the volunteer ranks and
growing AARP’s community service efforts. Previously, Dr.
Nelson was at the University of Southern California Andrus
Gerontology Center. As a staff member at the Federal Trade
Commission in the 1970s, he investigated the funeral
industry, nursing homes and other consumer issues facing
older persons.
Fernando Torres-Gil
Fernando Torres-Gil, PhD, of Los Angeles, California, is a
renowned expert in health and long-term care, social policy,
ethnicity, disability and the politics of aging. He is acting
dean and associate dean of academic affairs, professor
of social welfare and public policy, and director of the
Center for Policy Research on Aging at the School of Public
Affairs, University of California at Los Angeles. As the
first assistant secretary for aging at the U.S. Department
of Health and Human Service, Dr. Torres-Gil played a key
role in consolidating and enhancing federal programs for
seniors. He serves on several boards, including the California
Endowment.
AARP Foundation Leadership
Team – 2009
Robin Talbert
President
Stuart Cohen
Senior Vice President, Legal Advocacy
Brian Hofland
Director, Center for Economic Justice
Patricia D. Shannon
Senior Vice President, Operations and Chief Financial
Officer
Barbara Shipley
Interim Senior Vice President, Programs
Sharyn Sutton
Vice President, Strategy and Communication
Vivian Vasallo
Senior Director, Community Innovations
David Whitehead
Chief Development Officer and Senior Vice President,
Development
AARP Foundation Annual Report / 2009 29
AARP Foundation
Summary of Financial Information
The summary of financial information has been extracted from the AARP Foundation Consolidated Statement of Financial Position
AARP Foundation audited financial statements for the year ended As of December 31, 2009 and 2008 (in thousands)
December 31, 2009 and on which an independent public accounting firm
expressed an unqualified opinion. 2009 2008
ASSETS
Cash and cash equivalents $10,497 $13,772
Contributions receivable 666 1,242
Grants receivable 12,403 6,461
Due from affiliates 446 2,942
Prepaid expenses and other assets 1,842 1,877
Property and equipment, net 19,119 19,926
> Total Operating Revenue > T otal Expenses Investments 53,615 52,307
$144.9 million $156.6 million Charitable gift annuity investments 8,196 7,560
for the year ended December 31, 2009 for the year ended December 31, 2009
Total assets 106,784 $106,087

Contributions / 10% Development / 7%

LIABILITIES
In-kind Contributions / 18%
Accounts payable and accrued expenses $6,944 $6,430
Other / 1% Management & General / 4%
Deferred revenue 9,644 9,522
Due to affiliates 4,316 3,516
Charitable gift annuity liability 6,033 6,141
Bonds payable 25,000 25,000
Total liabilities 51,937 $50,609

NET ASSETS
Unrestricted:
Undesignated 17,449 20,105
Board designated—quasi endowment 13,419 11,115
Board designated—operating reserves 18,122 16,952
Total unrestricted net assets 48,990 48,172
Temporarily restricted 5,857 7,306
Total net assets 54,847 55,478
Grant Revenue / 71% Programs / 89%
Total liabilities and net assets $106,784 $106,087

The complete AARP Foundation 2009 Audited Financial

Statements are available at www.aarp.org/foundation.

30 AARP Foundation Annual Report / 2009 AARP Foundation Annual Report / 2009 31
AARP Foundation Consolidated Statement of Activities
For the years ended December 31, 2009 and 2008 (in thousands)

2009 2008
OPER ATING REVENUE
Grant revenue $103,106 $88,665
Contributions 14,794 36,545
In-kind contributions 25,857 25,122
Investment income designated for operations 747 709
Other 440 399
Total operating revenue 144,944 151,440

EXPENSES
Program services:
WorkSearch 109,517 98,717   
Tax-Aide 11,408 11,641   
Legal advocacy 4,653 5,491   
Other programs 13,080 13,878   
Total program services 138,658 129,727
Supporting services:
Fundraising 11,734 15,862
Management and general 6,228 6,465
Total supporting services 17,962 22,327
Total expenses 156,620 152,054
Change in net assets from operations (11,676) (614)

Other changes in net assets:

Investment income (loss) in excess of amounts
designated for operations 11,580 (20,151)
Change in value of charitable gift annuities (535) (291)
Change in net assets (631) (21,056)
Net assets, beginning of year 55,478 76,534
Net assets, end of year $54,847 $55,478

32 AARP Foundation Annual Report / 2009 AARP Foundation Annual Report / 2009 33
601 E Street NW
Washington, DC 20049
www.aarp.org

34 AARP Foundation Annual Report / 2009