Hi Gary,
The only way my wife would keep to an exercise program is by having a personal trainer. The guy we go to is great, to the point where I go with her once a week now. He has his own "home gym" in a converted garage in the backyard. He's trained everyone from former couch potatoes (us) to Olympic athletes. The cost is $45/hour, but similar trainers may be more expensive in San Diego.
Nick