No honorific is required when addressing the former chairman of a committee.
'Mister Charman,' or 'Madam Chairman' or "Sir' or 'Ma'am.'
addressing attorney and wife
Senator Doe,
vmrs
The proper salutation for a retired General is "General (Retired)" or "General Smith (Retired)" when addressing them formally.
I believe in a report you should say for an example the president Mr. Barack Obama.
The friendly letter has a proper heading. Use the salutation, Dear, followed by the first name of the person you are addressing.
The proper salutation for a psychologist is "Dr." if they hold a doctoral degree (PhD or PsyD) or "Mr." or "Ms." if they do not have a doctoral degree. It is always best to refer to them based on their level of education and preference.
It should not matter what ethnicity the person is when you are addressing them either formally or informally. Mr. and Mrs./Ms. should be used if you are writing to the person in English.
The proper salutation for a probate judge is "The Honorable [Judge's Full Name]."
What is the proper salutation for a register of wills, e.g. Honorable John White?