A guide for libraries, clinics and community organizations deciding whether and how to host Fluent, Reach or Voice: choosing modules, the room, access, promotion, the day itself, and what happens after.
Free to print and shareLast reviewed October 2026
What a series is, and who teaches it
Fluent, Reach and Voice are free sessions on money, healthcare and local government, hosted by the organizations people already go to.
Each program has six modules. Each module is a session of about an hour, prepared for the country it is taught in. Moraph for Good suggests three to six modules as a series.
Fluent covers budgeting, banking, credit, borrowing, tax time and scams. Reach covers coverage, finding low-cost care, medical bills, health records, patient portals and medicine costs. Voice is strictly nonpartisan and covers how local government works, public meetings and comment, records requests, budgets and serving your community.
Moraph people from its financial services, healthcare and government divisions teach, and so do vetted volunteers from outside Moraph with the right experience, after a conversation, checks and training on the rules.
Moraph people and vetted volunteers teach the sessions with you, in person or online, or train your staff to teach them.
Every series has a written plan, a named Moraph lead and an end date before anyone starts.
Hosting is free, and so is attending. To host, your organization serves the public, can open the sessions free to the people it serves, is one of the kinds of organization on the eligibility list, and is based in one of the ten countries where Moraph has an office. Being eligible does not guarantee support: Moraph’s people’s time is limited.
Sessions explain how things work. They are not one-to-one advice: one-to-one financial advice, debt negotiation, tax preparation, medical advice, diagnosis, individual casework and voter registration drives are not part of the programs. Sessions point people to free services that do that work.
Choosing modules
You choose the modules and the audience, and the series is planned with you. Every module has a free session kit you can read before you decide.
Each session kit has a run sheet, slides with speaker notes, a worksheet and a take-home handout for the United States, the United Kingdom, Canada, Australia, New Zealand, India and the Philippines. Its “Who it’s for” line, repeated below, is a quick way to match a module to the people you serve.
Fluent: financial literacy from people who work in finance
Everyday money: Adults who want a simple, realistic way to plan a month’s money, including people whose pay changes from week to week; no experience or spreadsheets needed.
Banking without the fees: Adults opening a first account, coming back to banking, new to the country, or tired of paying fees to get at their own money.
Credit reports and scores: Adults who have never seen their credit report, who have been refused credit or a rental, or who want to rebuild after a hard time.
Borrowing safely: Adults who borrow now or may need to soon, including people who have used short-term loans, store credit or pay-later plans, or who are weighing up a loan offer.
Tax time and benefits: Adults who file a tax return, aren’t sure whether they need to, or receive or might qualify for government benefits, including first-time filers, people on lower incomes and people new to the country.
Scams and fraud: Adults of any age who bank, shop or talk to people by phone or online, and anyone who helps a parent, relative or neighbor with their money.
Reach: help finding, understanding and paying for care
How coverage works here: Adults who are new to the country, have just lost or changed their cover, or have never had the system explained, and the people who help them.
Finding low-cost care: Adults who have no cover, not enough cover, or a gap while they wait for it, and the staff and volunteers who help them find care.
Reading a medical bill: Adults who get medical, dental, pharmacy or hospital bills, invoices or charges, or help a family member with theirs, whatever their confidence with paperwork.
Your health records: Adults who want a copy of their own health records, or who help a family member with theirs, whatever their confidence with paperwork or computers.
Portals and video appointments: Adults who want to use online health services with more confidence, including people new to smartphones, and family members or carers who help them.
Medicines and costs: Adults who pay for prescriptions, or help someone who does, and want to know which questions to ask and what help exists where they live.
Voice: nonpartisan civic education, and easier ways to take part
Who decides what: Adults and older teens who want to know which part of government to go to about a local issue, with no prior knowledge needed.
Meetings and public comment: Adults and older teens who want to follow or speak at a local public meeting, or write to an elected representative, for the first time.
Records requests: Adults and older teens who want to find out what a public body holds on a topic, with no legal or research background needed.
Budgets in plain words: Adults who want to understand how their local government plans its money, with no finance background needed.
Serving locally: Adults who would like to give some time to their community and want to know what public roles exist and what they involve.
Information you can trust: Adults who want simple, reliable habits for checking what they read about local services and for spotting messages that pretend to come from government.
Before you settle on a module, read its “Take care” section. It lists what the instructor will not do, and it tells you the kind of questions the session will not answer.
Hosting in Mexico, Argentina or Armenia
Organizations in all ten countries where Moraph has an office can apply. The kits’ take-home handouts and the free help pages cover the United States, the United Kingdom, Canada, Australia, New Zealand, India and the Philippines so far. In Mexico, Argentina or Armenia, you can use the run sheets, slides and worksheets in every kit today, because they don’t depend on the country. There is no take-home handout or free-help page for your country yet, and what to use instead is agreed in the written plan. Our changes log says: Mexico, Argentina and Armenia will follow with translated kits. See what is available in Mexico, Argentina and Armenia.
Audience, language and format
The written plan for a series sets out its modules, audience, language and dates.
Audience. Think about who keeps asking you about money, care or local government, and pick modules for them. Most kits are written for adults; some Voice modules are also for older teens.
Young people. If anyone under 18 will attend, the safeguarding statement applies in full: no Moraph volunteer is ever alone and unobserved with them, and online sessions need at least two adults from Moraph or your organization present.
Language. Sessions are taught in the language the host asks for (volunteer questions). The session kits, handouts and worksheets on this site are in English. Say which language you need when you apply; how people get the materials in another language is agreed in the written plan.
Format. Sessions can be in person or online. Online sessions run on accounts managed by Moraph or by your organization, not personal accounts. Which one is agreed in the written plan.
The room and the tech
Every kit lists what the session needs under “You will need” and “Before the session”. These are the things that come up again and again.
A projector or large screen in every module. Kits ask the instructor to test the slides on it before people arrive, and several suggest a printed copy of the deck in case the screen fails.
Tables for small groups of three or four, because many activities are done in small groups.
Printed handouts for your country, where the kits have one, and worksheets, one per person plus a few spares.
Pens, and depending on the module, calculators, highlighters, sticky notes, a flip chart or whiteboard, or a timer.
No suitable room? Other organizations can offer a venue, a room with seats and a screen or a computer lab where a host’s sessions can run, and Moraph for Good connects it with hosts nearby.
Internet: only where the kit lists it
Most kits list no internet connection. These ones mention one:
Finding low-cost care (Reach): “Internet connection to show the official finder (optional)”
Who decides what (Voice): “Projector or large screen, with internet access if possible”
Records requests (Voice): “Projector or large screen, with internet access if possible”
Budgets in plain words (Voice): “Book a room with a screen and an internet connection, and test the slides before people arrive.”
Serving locally (Voice): “Book a room with a screen and an internet connection, and test the slides before people arrive.”
Information you can trust (Voice): “Book a room with a screen and an internet connection, and test the slides before people arrive.”
In Portals and video appointments, nobody logs in to a real account: the kit uses paper mock-ups, and asks the instructor to tell the host that attendees will not need to log in to anything or bring passwords.
Accessibility: things to check
Several kits ask the instructor to check with the host whether anyone needs large print, an interpreter or extra time. You know the people who will come, so it helps to check these before the first session.
A step-free route into the building and the room, and seating that people can move around.
Hearing: where people can sit to hear well, and whether the room has a microphone or a hearing loop.
Large-print copies of the handout and worksheet for anyone who asks.
Captions for online sessions, and an interpreter where people need one.
Extra time in activities, and a way for people to tell you in advance what they need.
The volunteer session host role includes making sure everyone can take part: seating, hearing, large print and captions online.
The kits, slides, worksheets and handouts are pages on moraph.org, which is covered by the site’s accessibility statement. If you need any of them in a different format, the statement asks you to email hello@moraph.org. For your own booking page or forms, see accessibility basics.
Promoting the series
Say plainly what people are coming to: a free session, with nothing to sell.
What you can tell people: sessions are free to attend. And from the six promises: there is nothing to sell (nothing taught promotes Moraph, a Moraph client or any product, and nobody is added to marketing lists), sessions are strictly nonpartisan, and they explain how things work rather than giving advice about anyone’s own situation.
Describe what each session covers using the module summary from the program page, and avoid promising one-to-one help the session does not give.
For Voice, keep the publicity nonpartisan too: no parties, candidates, ballot questions or campaigns.
Use the name “Moraph for Good”, a program of Moraph LLC. It is not a charity. The logo files and naming rules are on the brand page.
Moraph for Good never collects attendees’ details for sales. Its volunteers never collect attendees’ names, contact details, passwords or records, and do not follow up with attendees (the volunteer rules). If your organization takes bookings, that is your own process, under your own privacy practices: ask only for what you need to run the session.
Photographs and recordings are made only with consent, and for anyone under 18 with the consent of a parent or guardian as well. Moraph does not name you, quote you or use your logo without your written permission, and saying no never affects your support (conflict-of-interest policy).
On the day
The instructor runs the session from the kit’s run sheet. These are the points from the kits and the safeguarding statement worth knowing as a host.
How sessions are kept safe and useful
Ground rules at the start: nobody shares their own numbers or circumstances, it is general information rather than advice, and the worksheet goes home with each person.
Nobody is asked about their own money, health, insurance or immigration status, and worksheets are not read unless the person invites it.
No bank, lender, insurer, plan, app, pharmacy or other provider is named or recommended.
Real accounts stay out of the teaching: in Portals and video appointments nobody logs in to a real portal, and in Credit reports and scores nobody enters personal details into a website during the session. Where a volunteer helps someone use a website on their own device, the person taps, types and decides; volunteers never take, see or type anyone’s passwords or codes.
If someone raises their own situation, the instructor speaks with them privately at the break or the end, and points to the free official help on the handout.
In Voice, voting and registration questions go to the official election office.
What kits may ask you
Who people can talk to if a session brings up something happening to them now (Scams and fraud).
Whether there is a free tax clinic or official help point nearby (Tax time and benefits).
Whether a pharmacist from your organization or a local public health service would like to sit in for questions, without promoting any pharmacy or product (Medicines and costs).
Whether anyone needs large print, an interpreter or extra time (several Reach kits).
Safeguarding, in short
No Moraph volunteer is ever alone and unobserved with anyone under 18. Sessions happen in open or observed spaces, with another adult present or in sight.
Volunteers do not give lifts, meet outside planned sessions, or exchange personal contact details with learners under 18.
Online, no private one-to-one messages or calls with learners under 18, and sessions are not recorded without consent given in advance.
Volunteers are briefed on your own safeguarding rules and know who your safeguarding lead is. Where your rules are stricter, they follow yours.
In immediate danger, call your local emergency number or the police first. For any other concern, email hello@moraph.org with “URGENT: safeguarding concern” in the subject line, and tell your own safeguarding lead as well.
A series ends on the date in its plan. What it leaves behind is yours.
Feedback. After each series, the host, the Moraph lead and the volunteers each say what worked and what didn’t (how volunteering works). Modules are revised with the people who host them.
Materials you keep. What Moraph for Good teaches is published free in Commons, so you can teach it again without Moraph. The kits are free to teach and adapt, and anyone may teach them. The rules travel with the slides: read each kit’s “Take care” section before you teach.
Being named. Organizations are named in stories and reports only with their written permission.
What Moraph for Good does, and what you do
This is what the site has published. Anything not listed here is agreed in the written plan for your series.
Moraph for Good
Reads your application, arranges a call if a program may fit, and replies whether or not it can help.
Agrees a written plan with you before anything starts: the modules, audience, language and dates, with a named Moraph lead and an end date.
Provides the instructors: Moraph people or vetted volunteers, checked and trained on the rules. It can also train your staff to teach.
Publishes every kit free in Commons.
Follows its safeguarding statement, and acts on any concern.
Sells nothing, and never collects attendees’ details for sales.
Your organization
Opens the sessions free to the people it serves.
Has a staff member who can plan the series with Moraph for Good.
Brings people together, in a room or online.
Keeps Voice sessions nonpartisan.
Shares its safeguarding rules and the name of its safeguarding lead.
Gives feedback after the series.
Agreed in the written plan
The dates, times and venue, or the online account used.
Who books and sets up the room, and who prints the handouts and worksheets.
Any costs for volunteers, such as travel: whether and how they are covered is agreed in writing before the series starts.
Anything else the site does not settle.
Questions hosts ask
Does it cost anything to host?
No. Applying is free, and so is hosting and attending Fluent, Reach and Voice sessions. Moraph for Good gives time, teaching, software and expertise rather than cash grants.
Will Moraph try to sell to us, or to the people who come?
No. Applications go to the Moraph for Good team, not to sales, and you will not be added to marketing lists. Sessions never promote Moraph, a Moraph client or any product. Support never depends on buying anything.
Who will teach, and are they checked?
Moraph people from its financial services, healthcare and government divisions, or vetted volunteers from outside Moraph. Every volunteer has an identity check and references, and for roles with young people or adults at risk, a background check where local law allows, finished before they start (how it works).
Can our own staff teach the sessions?
Yes. The kits are published free and anyone may teach them. Moraph people and vetted volunteers can teach with you or train your staff to teach them.
Can we ask for volunteers directly?
Apply to host a program. Volunteers are matched to hosts’ series, not offered directly to organizations (volunteer questions).
How long are sessions, and how many should we plan?
Each module is a session of about an hour. Moraph for Good suggests three to six modules as a series. The number and dates go in the written plan.
Is Voice safe to host if we must stay neutral?
Voice is strictly nonpartisan: no side on parties, candidates, ballot questions or campaigns. Moraph does not run voter registration drives; it points people to their official election office. Hosts agree to keep the sessions nonpartisan.
What if someone needs help with their own situation?
Sessions explain how things work and do not give personal financial, medical or legal advice. The instructor speaks with the person privately and points to free official services, such as those listed in free help by country.
This page restates what Moraph for Good has already published about hosting and attending sessions. It adds no new terms. If anything here differs from the page it comes from, that page is right; please tell us at hello@moraph.org.
An email when we publish a new Commons guide or tool, and occasional news from Moraph for Good. Nothing else, and only when there is something worth sending.
Ready to host a series?
One short form about your organization and the people you serve. A person from the Moraph for Good team reads every application and replies, whether or not we can help.