Cities for Financial Empowerment Fund logo Emergency Financial PreparednessMessaging architecture & toolkit
Want to make your own?

How to adapt across campaigns.

Use this section when you want to customize a campaign for your city or county, build a new asset, or translate a campaign into a specific program or audience.

Adaptation workflow

Start from the campaign, then localize the promise.

Step 1

Choose your campaign

Use Stormproof for disaster-season readiness, Protect what you’ve built for broad audiences, and We want to help for program promotion.

Step 2

Name the local hook

Swap in the hazard, audience, program, or moment that makes the message feel relevant now.

Step 3

Offer help

Route residents to a trusted service, person, appointment, workshop, or simple direct action.

Step 4

Make it official

Use city, county, and trusted partner logos as part of the message, not just decoration.

Local context

Adapt by how top-of-mind disasters are.

Highly relevant disasters

Name the specific type of emergency that people view as a legitimate, local threat — wildfire season, hurricane season, flood risk, tornadoes, winter storms. Meet residents where they already understand physical preparedness, then add the financial piece.

“You know where to put sandbags before a storm. Do you know where to put your money?”

Less relevant or less obvious disasters

If large-scale disasters feel unlikely or remote, communicate that the same preparation also covers personal emergencies: job loss, medical bills, car repairs, or a broken transmission. Let “emergency” stay broad enough for residents to see their own version.

“A car breakdown, a layoff, a storm — emergencies come in many forms.”
Audience

Adapt by who you’re trying to reach.

For lower-income or vulnerable residents

Connect emergency preparedness to issues people are already navigating. Use plain language, avoid jargon, and recognize skepticism around financial messaging and digital tools. Lead with the trusted messenger and tangible help.

  • Use “money” when it feels clearer than “finances.”
  • Say what the program helps people do.
  • Offer human support, not just a link.

For middle-income or general audiences

Anchor to the goals people are already working toward: buying a home, sending kids to college, building a business, paying down debt, or protecting retirement. Frame preparedness as protecting what they have worked hard to build.

  • Lead with the why, not generic financial advice.
  • Make the next step quick and specific.
  • Don’t assume financial stability.
Behavior or program

Adapt by the action you’re promoting.

Avoid scams and fraud

Frame scam avoidance as a skill and a city-provided service, not just a warning. Teach residents how to recognize and verify legitimate sources, and offer help if they have been targeted.

Build credit

People already want better credit. Lead with free, professional help from the city or county, and use the emergency preparedness rationale as support: good credit can help residents access fair loans after a disaster.

Build emergency savings

Recognize that many people have saved before and had to spend it down. Position savings as the cushion that protects every other goal, not one more thing competing with those goals.

Get banked

Address perceived barriers head-on — overdraft fees, hacking, access, immigration concerns, garnishment — while explaining how safe accounts help people access money and recovery resources faster.

Rightsize insurance coverage

Speak directly to both homeowners and renters. For renters, make the benefit concrete: renter’s insurance covers what is actually theirs and may cost less than they expect.

Safeguard key documents

For lower-income audiences, address security fears and offer trusted human help. For general audiences, make the action feel quick and concrete: a few minutes to photograph key documents and store them safely.

Matched savings, assessments, certificates, and resilience grants

Lead with the concrete payoff — money saved, incentives unlocked, lower premiums, or home improvements funded. Pair the offer with navigation support and plain eligibility language.

Calls to action

Make the next step concrete.

A good call to action names a doable next step, anticipates barriers, and routes the resident to a trusted, specific destination.

Book an appointment

Describe what residents will get out of the appointment and whether it is in-person, virtual, or both.

Sign up for a program

“Get started” usually beats “learn more.” Keep the form short and feature the trusted city/partner name.

Attend a workshop

Emphasize what people will leave with. Lower the barrier with language like “nothing to prepare.”

Take a direct action

Say how long it takes and offer help doing it, even if the step seems simple.

Open a financial product

Anticipate barriers up front, such as “no overdraft fees,” and offer both DIY and supported paths.

Promote awareness

Make the resource findable later: “Screenshot this” or “save this with your important documents.”

Ready to choose a campaign?

Start from a ready-to-use direction, then adapt the message using this guidance.

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