A cancer diagnosis is more than a medical event. It touches every part of life; physically, emotionally, spiritually, relationally… and financially.

No one wants to think about money when facing something as deeply personal and life-altering as this. But the financial implications of cancer are very real, and often, they catch people off guard.

The truth is, the cost of cancer goes far beyond treatment. It includes loss of income, travel to medical appointments, home adjustments, special dietary needs, emotional support, and sometimes long-term lifestyle changes. Even with medical aid or insurance, out-of-pocket expenses can add up quickly.

In our work, we’ve walked with clients who’ve faced this journey, either personally or as caregivers. What we’ve learned is that thoughtful planning doesn’t take away the pain or fear, but it does give back a sense of control. It allows space to focus on healing, knowing the financial side is being held with care.

THE HIDDEN FINANCIAL LAYERS

Cancer often brings with it a complex web of costs:

• Medical shortfalls. Even the best cover may not account for every scan, test, treatment, or second opinion.
• Time off work. Whether it’s weeks or months, treatment can disrupt your ability to earn… and not just for the patient. Partners or family members may need to take time off, too.
• Emotional and psychological care. Counselling or support groups aren’t always covered, but can be essential.
• Travel and accommodation. Many patients travel far for specialist care, adding logistics and costs that aren't part of their normal monthly expenses.
• Alternative or complementary treatments. While not always medically advised, some choose to pursue additional therapies that aren’t covered at all.

These expenses don’t arrive all at once. They build slowly. And when combined with emotional overwhelm, they can leave families feeling vulnerable in more ways than one.

A PLAN THAT HOLDS SPACE FOR UNCERTAINTY

This is why we believe in proactive, compassionate financial planning.

Yes, we talk about budgets and risk cover. But more than that, we help people prepare for life’s unknowns whilst factoring in the flexibility to adjust when things change.

Sometimes that means checking that you have the right severe illness cover in place. Sometimes it means helping a client understand what their medical aid doesn’t include, or building a buffer into their investment strategy so that a health scare doesn’t derail everything.

And sometimes, it means simply being there with you to talk through tough decisions, update plans, or help make sense of what’s next.

You see, it’s not just about money.

Planning for the costs of cancer isn’t about expecting the worst. It’s about being free to focus on what matters most — care, connection, and healing — without the added stress of financial unknowns.

If you or someone you love is facing this path, we’re here to walk it with you. Not just with spreadsheets and policies, but with empathy, perspective, and a steady hand.

Because sometimes, the most valuable thing we can give you isn’t a return on investment, it’s peace of mind when you need it most.