Resources
Chambliss Estate Planning Newsletter – July 2026
Lessons From a Caregiver: When Preparation Becomes a Gift
By: Amy Boulware
I have been a caregiver for thirty-four years. At different times, that meant parenting, caring for my grandmother, helping my mother through cancer, and, in the last few years, supporting my father as he aged. I am also part of the circle of support for my mother-in-law, who lives out of state. Each of these caregiving roles has been different, and yet similar. At times, I have cared for multiple generations at once — physically present or on call for any number of emergencies, daily tasks, and decisions.
All of that changed on May 5, 2026, when my 89-year-old father passed away unexpectedly. I know it sounds strange to say that an 89-year-old passed away unexpectedly. I am not unrealistic; as my father would say, he was “closer to the end zone than most.” But the week before he died, he had attended a symphony concert, enjoyed a play at the Chattanooga Theatre Center, taken water aerobics three times, chaired the culinary committee meeting at his residence, and gone to a class on brain health. So yes, it really was unexpected.
He had adjusted well to life in an independent living senior community, and I was thankful for that. Dad taught me many things over the years, but two lessons stand out: embrace each phase of your life while you are living it, and always seek wise counsel when you need help.
To anyone who would listen, he would tell them that everyone needed an “Amy.” He was my biggest fan — and, as my co-producer in life, he may have been biased — but he did seek my counsel and trusted me when decisions needed to be made. I know how fortunate I was in this. Many people caring for aging parents or family members face resistance, not cooperation.
I want to share with you some of the things my father and I did to prepare for the time when he would pass — steps that have made this final leg of the caregiving journey so much easier for me to navigate.
1. He shared all of his passwords — including access to his digital life.
This was something I had encouraged for a long time. Finally, one Sunday afternoon, we sat at the dining room table and went through the list together. In today’s world, digital assets — email, online banking, social media, photo storage — are as important to address as physical ones.
2. All beneficiary designations were current and accurate.
His beneficiary designations on financial accounts, life insurance policies, and investments were up to date. This is one of the most commonly overlooked details in estate planning — and one of the most consequential.
3. I was a signatory on his safe deposit box.
A simple step, but one that prevented delays and complications at a time when I needed neither.
4. His funeral plan was complete — including a cemetery plot.
Having these wishes documented and arranged in advance spared our family from making difficult decisions under emotional strain.
5. His estate plan was clear, current, and transparent.
Nothing in the plan was a surprise to me or to my siblings. Clarity among family members about an estate plan is as important as the plan itself.
6. He gave items of sentimental value before he died.
He wanted to see the people he loved enjoy the things he cherished — while he was still here to witness it.
None of these steps were complicated. None were expensive. But together, they were a profound gift — one that allowed me to grieve his loss rather than manage his affairs under duress. If you or a loved one have been meaning to have these conversations, we encourage you not to wait. Chambliss estate planning team is here to help you put a clear, current plan in place — and to guide the conversations that make that plan work for the people you love.
Estate Planning Resources
Long-Term Care Costs Are Hollowing Out Generational Wealth
For most Americans, the plan goes something like this: work hard, save diligently, pay off the house, and pass something on to the kids. This quiet promise at the heart of the American Dream is that a lifetime of effort can translate into security for you and the next generation…
When to Hire a Home Care Service for an Older Adult
For seniors and their families, hiring a home care service can support independence for the older adult while reducing stress on the family unit. A home carer can assist with activities of daily living, like bathing, dressing, preparing meals, chores like laundry and dishes, medication management, and transportation to and from appointments and outings. Skilled caregivers who are qualified nurses can also provide medical care for those with more complex medical needs…
TV Show Explores Senior Housing and Long-Term Care Options
Rick and Mary Williams had happily lived in their home in California for 22 years but began to question whether it was the right place for them to grow old. That question sits at the heart of Senior Spaces, a new television series that follows real older adults as they navigate one of life’s most emotionally charged crossroads: deciding where and how to live the next chapter of their lives…
Upcoming Events
YMCA Adaptive Programs
Where: YMCA of Metropolitan Chattanooga
The YMCA of Metropolitan Chattanooga offers a wide variety of adaptive programs for individuals of all ages, including adaptive group exercise classes, swim lessons, sports clinics, and more! To learn more, visit the YMCA website.
Scenic City Adaptive Kayaking
Where: Locations Vary
This adaptive kayaking program is for individuals with intellectual and/or physical disabilities, ages 10 and up. Different adaptive equipment is available, such as outriggers, back and side support, hand adaptations, transfer benches, etc. For more information, email Elaine Adams at [email protected] or call 423-643-6058.
Catalyst Sports Adaptive Indoor Climbing
Where: High Point Climbing Gym l When: July 21, 2026
Catalyst Sports is a nonprofit organization based out of Atlanta whose mission focuses on empowering people by providing the highest quality of adaptive sports for those with disabilities. The clinic is from 6-8 p.m. for individuals, ages 5 and up, with physical disabilities. To sign up for event, visit Catalyst Sports events page.
Chattanooga Therapeutic Recreation Services Hiking Group
Where: Camp Jordan Loop l When: July 22, 2026
A group of individuals with disabilities, their family members, and friends who want to explore the beautiful trails in Chattanooga together, meet twice a month to hike easy to moderate trails. To join the hiking group and stay updated on location changes or weather alerts, email Nate Sirmans at [email protected] or call 423-643-6091.
Scenic City Adaptive Cycling
Where: TN Riverpark at the Hubert Fry Center l When: July 27 and August 10, 2026
This adaptive cycling program on the TN Riverwalk is for individuals with disabilities and matches them with a bike and volunteer so they can enjoy the sights of the Tennessee River, while improving fitness and balance. Equipment is limited and pre-registration is required. For more information, email Elaine Adams at [email protected] or call 423-643-6058.
Summer Fun Series
Where: Greenway Farms Conference Center and Walker Pavilion l When: July 23, July 30, and August 6, 2026
A three-part summer series full of different, fun adventures each day. They will be trying out new activities, but the minimum requirement is to HAVE FUN! Come one day or attend all three! This event is from 10:30 am – 12 pm for individuals with intellectual disabilities, ages 13 and up. For more information email Ella at [email protected] or call 828-808-1395.
Chillin’ Like Villains Pool Party
Where: Warner Park Pool l When: August 4, 2026
Chillin’s pool party will be held from 6-8 p.m. at Warner Park Pool. Enjoy the cool pool waters while relaxing, swimming, or socializing with the Chillin Crew! They will serve pizza and fun! For more information, email Ella Boeke at [email protected] or call 828-808-1395.
Creative Discovery Museum Sensory Night
Where: Creative Discovery Museum l When: August 7, 2026
This special evening provides children with sensory sensitivities and their families exclusive access to the Museum in a controlled, low-sensory environment. Admission is free, but registration is recommended. For more information, visit the Creative Discovery Museum – Inclusive Programs.
Also Check Out…
Social Security Insolvency Now Projected for 2032, Putting Benefits at Risk of a 22% Cut
Social Security’s trustees report said the program is on track to become insolvent by the end of 2032, when the program’s beneficiaries will get a 22% cut in their monthly checks. Social Security guarantees income to over 70 million Americans. Across-the-board benefit cuts would significantly impact retirees, disabled workers and survivors, especially amid rising living costs.
