CTFO Review 2020

CTFO or Changing The Future Outcome is an MLM company offering CBD and non-CBD products. Please continue reading my unbiased CTFO Review to learn in detail about the company’s products, its income opportunity, and the compensation plan. Find out the pros and cons before deciding whether this would be a good choice for you to start your own business with.

Post Header Image text: CTFO Review 2020 and several CTFO products

What is CTFO?

In 2015, brothers Stuart and Steve Finger and Michael Kahn launched a new MLM company selling a couple of weight loss products – Chew The Fat Off or CTFO.

The owners have several decades of network marketing experience. As it’s stated on the company’s website, “CTFO was founded by network marketers, for network marketers. The founders couldn’t find any other company that stacked the odds in favor of the Associates, not against them.”  

CTFO Review 2020 - Co-Founders  Steve Finger, Stuart Finger, and Michael Kahn.

In January 2018, this 3-year-old company added a CBD product line to its weight control products, and CTFO as Changing The Future Outcome was born.

The name reflects the new direction of the business that aims to change the future outcome of people’s health and their wealth. CBD oil is currently the most in-demand product on the market and is beneficial in numerous ways for our health. Thus, CTFO timely entered the soon-to-be multi-billion-dollar industry. However, CTFO continues offering weight-management and many other non-CBD products. Currently, there are over 80 titles on the CTFO product list.

CTFO is an International Company operating in

  • Canada (shipping non-CBD products only)
  • Danmark
  • Finland
  • France
  • Germany
  • Iceland
  • Ireland
  • Italy
  • Norway
  • Northern Mariana Islands
  • Portugal
  • Puerto Rico
  • Spain
  • Sweden
  • UK
  • USA

CTFO offers a free income opportunity – there is no fee to join the company as an associate and no obligation to buy any of its products before starting earning some commissions.

As of today, CTFO offers a variety of about 80 CBD/ CBDa and non-CBD product titles. Its lines include CBD oil drops & edibles for humans, CBD topical remedies, CBD pet products, CBD and non-CBD skincare solutions, non-CBD health and nutrition products, and more. Please visit the link above in this paragraph to learn more about CTFO products.

Name:CTFO – Changing The Future Outcome
Startup Cost:FREE
Owners:Stuart Finger, Steve Finger, Michael Khan
Income Opportunity Rating:6-star rating out of 10
Products Rating: 10-star rating out of 10
Overall Ranting:8-star rating out of 10

Is Changing The Future Outcome a scam?

A legitimate MLM business must:

  1. Have a low start-up cost for the associates; the MLM company and its associates should NOT make a profit from plain membership fees.
  2. Offer a valuable product or service to its customers.
  3. The product must be not overpriced.
  4. Commissions to the business associates must be paid only from the sales of product or service

Let’s look at how CTFO complies with these 4 main rules…

  1. CTFO invites associates to join for FREE. What can be cheaper than FREE? There is no start-up cost whatsoever! Who says “No” to FREE and how FREE may hurt anybody?
  2. CTFO offers several lines of high in demand products:
    • It offers the hottest product that the world has ever seen! It offers CBD oil, which is the most in-demand product on the market. Cannabidiol or CBD is one of near a hundred of cannabinoids that come from a hemp plant. It restores the internal balance or homeostasis to your immune, endocrine, and central nervous systems thus making you healthier. CBD, unlike THC, does not cause intoxication and does not make you stoned. Below, I will discuss its benefits in more detail, and we’ll talk about an exclusive to CTFO product that uses ’10x Pure’ patented technology.
    • As I mentioned above, besides CBD-based products, CTFO offers its customers a non-CBD product line: multivitamins, weight management nutrition, beauty & anti-aging skincare products, and even a unique and innovative Hair Growth system. Two new products will be added by the end of April 2020: CelluVie & DermaVie, which are powerful immune system enhancers, antioxidants, and detoxifiers.
  1. CTFO sells its products at deeply discounted prices:
    • on average, 30% below the suggested retail price.
    • New associates and customers are offered an additional 20% one-time discount on all orders placed within the first week after sign-up.
    • Setting up Auto-ship reduces the price of any order by an additional 5%.
    • Family packages (3+ items) lower the cost of each item in the package even further.
What is CBD Hemp Oil? || What is cannabidiol oil for? -- Good Manufacturing Practice. 60 Days Money-Back Guarantee.

CTFO CBD is made from NON-GMO, PESTICIDE FREE, CO2 Extracted Hemp Oil using only organic ingredients. All CBD products are manufactured in the USA in GMP-certified facilities (GMP is an acronym of Good Manufacturing Practices).

A 60-day money-back guarantee is offered on each of CTFO’s products and product packages (except for Business Builder Packages) on the purchase price paid, less any shipping and handling fees.

  1. CTFO associates are paid commissions only from the sales of the products.

CTFO is a legitimate MLM company – not a Pyramid Scheme.

I’ve used many CTFO products and loved them all.

At the same time, I’m not promoting its income opportunity as I’m not actively building my business with this company. I prefer affiliate marketing over network marketing

In this written CTFO Review and in the video below, I simply introduce the company to you, give you the facts, and share my personal experience with you. I don’t encourage or discourage you to join CTFO. My goal is to provide you with detailed information and enable you to make your own decision.

CTFO Compensation Plan.

The company offers a fair compensation plan, which was designed to greatly benefit an average person. Knowing that there are far too many hoops to jump through in most compensation plans, CTFO took the best parts of Retailing, Unilevel Pay, Forced Matrix Pay, Infinity Bonuses & Company-Wide Profit Sharing Pools and combined them into a 4-part Compensation Plan. The 4 types of compensation are as follows:

  • Retail Profit
  • Unilevel Pay
  • Regenerating Matrix Pay (With copyrighted Profit Sharing Positions)
  • Infinity Bonus Pay (And Top Gun Pool)

You can start earning 20% of the Commission Volume (CV) from your personal sales without placing your own order. However, in order to take full advantage of this multi-layered lucrative and partially copyrighted compensation plan, a low-cost monthly order is required to keep your eligibility status. The qualifying order is a $49.97 purchase made within the past 31 days or if on auto-ship, $47.47 with an additional 5% discount applied.

In 2020, CTFO implemented several additions to its Compensation Plan without taking away anything previously existing.

  1. One-time Rank Bonuses were added.
  2. Optional Business Builder Packages were added. These BB Packs allow the new associates to jump-start and grow their business faster.
  3. Build your own BB packs option was introduced.
  4. If a new associate decides to purchase any of the BB packs within the first 30 days after enrollment, he or she will receive a 10% discount.
  5. Path to Platinum option allows the associates to purchase a Silver pack and earn their way to Platinum level buy selling BB packs to others.

Please click here to read more about the CTFO business opportunity and watch the videos introducing the compensation plan and Business Builder Packages.

Click here to review the original CTFO Compensation Plan Document in PDF format.

What are the benefits of CBD oil?

CBD or cannabidiol is one of over 80 active cannabinoid compounds in the hemp plant. Unlike THC, CBD is non-psychoactive, which means that it does not cause euphoria or intoxication. CBD engages our built-in endo-cannabinoid system. Throughout our physiology, we have receptors, specifically designed to bind with CBD. CBD targets these specific receptors in the cells of your brain and body. CBD has its effect on the nucleus of our cells where proteins being made.

CBD and other cannabinoids cause a cascade of homeostasis through our entire central nervous system and our entire immune system and restore the dynamic balance between polar opposites in our systems.
(source: The Inside Story of Cannabidiol (CBD) by Asher Milgrom, Ph.D.)

CBD Benefits - chart using human body silhouette

CBD promotes a healthy state not only in humans, but also in our pets.

CBDa or cannabidiolic acid is a precursor of CBD. CBDa exists in a young raw hemp plant and turns into CBD when exposed to heat. CBDa is unstable. CBDa is a pure inhibitor of the COX-2 enzyme. Therefore, medical science has hope for CBDa as a future alternative for opioids if only it could be stabilized.

Innovative and patented to CTFO 10xPure™ delivery method has been shown to maintain and protect the integrity of CBDa.

Benefits of CBD/CBDa oil:

  1. CBD, and even more so, CBDa provide great relief for joint and muscle discomfort and many different aches and pains, including headaches.
  2. Reduces inflammation.
  3. Aids healthy digestion.
  4. Helps maintain healthy cholesterol levels.
  5. Suppresses seizures.
  6. Helps maintain healthy blood sugar levels; consider as a supplement if you have or prone to diabetes.
  7. Supports optimal cardiovascular function.
  8. Promotes healthy weight, reduces food cravings.
  9. Helps support cartilage and joint function.
  10. Supports optimal immune function and the regeneration of healthy cells.
  11. Maintains healthy lung function.
  12. Promotes healthy energy levels.
  13. Eases falling asleep at night and supports good sleep.
  14. Supplemental antioxidant: promotes optimal cellular health and functionality, reduces the incidence of cellular degeneration or transformation.
  15. Relieves anxiety.
  16. Promotes a stable mood, a sense of serenity and overall well-being. You may want to use it as a supplement if you are prone to depression.

Like most natural supplements, CBD oil has a reputation for a very safe remedy. However, we all are different and react differently to the environment and its components.

Before using CBD products, consult your health care professional about potential interactions with your current medications and other possible complications.

Will CTFO Full Spectrum CBD Oil Show Positive Drug Test Results?

The most common concern among potential customers is that if they take CBD oil for their health benefits, they may test positive in the drug test required by some employers or in other personal situations.

CTFO full-spectrum CBD oil contains less than 0.2% THC. It is unlikely that this amount of THC will affect the results of a common test, but there is no guarantee. More sensitive tests may detect even such a tiny trace of THC.

In one of the conference calls with CTFO, Addiction Expert Dr. Rick Sloan was invited for an interview. The recording of this interview with Dr. Sloan is available here. 

Dr. Sloan works with the addicts who are typically under court control and dealing with the legal system. In order to introduce CBD oil in his business, Dr. Sloan needed to know what the results of the urinalysis test will be after taking CBD oil drops for a prolonged period. Back in 1997 while he was in the Navy, Dr. Sloan slipped on a ladder and hurt his neck.

There was no qualified medical help on a ship, nobody took proper care of his injury right away, and later his untreated condition resulted in numbness in his arms and constant pain.

Dr. Sloan started on 750mg and then moved to 1500mg CTFO Full Spectrum CBD oil to treat his own pain condition. He was extremely happy as a physician to see that his pain quickly dropped from 7 to 2 on a scale of 10, and he noticed other improvements in his health – all that just from taking CBD oil drops.

After taking the full-spectrum CBD 1500mg twice a day for 2 entire months, Dr. Sloan ran urinalysis on himself in his clinic. It tested negatively for THC. Then, he sent his urine sample to the Lab where they performed liquid chromatography to check for THC, and it came back negative.

This was when CTFO actually had up to 0.3% THC in their spectrum and before the CBD isolate product came out. THC was not detected after performing the most sensitive test for the strongest CBD product that CTFO had at the time. At that point, Dr. Sloan was reassured that he could tell people that they are not going to have THC in their urine if they use this brand of CBD.

However, for those who are concerned about not passing the drug test, CTFO Isolate CBD oil drops could be a better choice.

Who is CTFO For?

  • CTFO is wonderful for all customers who are looking for high-quality CBD and non-CBD products at very affordable prices. 
    • CTFO registered customers take advantage of the “wholesale” prices – the same prices as the associates pay when buying CTFO products. 
    • First-time customers receive an additional 20% discount on the orders placed within the first week after joining. 
    • Customers also receive for free their own replicated websites, which they will use to track their orders and place future orders. 
    • However, customers don’t earn any commissions.

  • CTFO is great for those who sign up as associates with the goal to take advantage of the great CTFO products and offset the cost of the products they buy even further by also promoting favorite items in a relaxed manner.
    • If you sign up as an associate rather than a customer, you’ll get all the benefits that customers get (see above), including an additional 20% discount on any order placed within the first week after you joined.
    • Should someone purchase any CTFO product using your associate link, you’ll receive 20% of the Commission Volume on this purchase whether you placed your own order or not.
    • If you placed a qualifying order within the last 31 days, you’d also be eligible to receive commissions from multiple levels of your downline as defined by the compensation plan.

  • CTFO is great for people who have good “people” skills and need a side-hustle for small to moderate additional income.

  • As a full-scale business opportunity, CTFO is for people who truly enjoy network marketing. If you are an extravert, a leader, who loves networking, coaching and motivating others, able to successfully sell, promote and recruit without being intrusive (or truly willing to learn these skills before the damage is made to your relationships), and if see yourself dedicating years of your hard work to this occupation, then CTFO is your best choice.

If you are not sure whether Network Marketing is for you, then it’s probably NOT. You may enjoy better and be more successful in doing affiliate marketing instead.

Click here to learn more…

CTFO Pros:

  1. FREE entrepreneurial opportunity.
  2. Currently booming the CBD market.
  3. Work from home on a flexible schedule.
  4. An associate can start earning a small commission without spending a dime.
  5. Low-cost monthly purchase is required for “qualified” status.
  6. Generous Pay Plan for qualified associates.
  7. Commissions are being paid weekly on Wednesdays.
  8. Each associate and customer gets 2 free personal replicated websites: back office and digital storefront.
  9. GMP (Good Manufacturing Practices) certified. 
    FACT: Over 50 CBD/Hemp oil companies were tested to see if what was on the label was in the product… 80% did not pass the test: the content of their product was NOT matching its label! 
  10. International operations; much of the CTFO business can be conducted online.
  11. Potential of huge passive income.
  12. CTFO promotes a healthy lifestyle; the associates help people to get healthier and wealthier.
  13. Offers a wide variety of the most in-demand products on the market: CBD oil drops, other forms of CBD, such as topical creams and roll-ons, oral sprays, and gummies. Has its exclusive 10xPure™ product line, which is several years ahead of the competition.
  14. Offers high-quality Non-CBD products: immune system enhancers & antioxidants, weight loss, anti-aging and beauty products.
  15. 60-days full refund guaranteed on all products; empty bottle.
  16. The products are offered at discounted wholesale prices with a variety of ways yo decrease the price even further.

CTFO Cons:

  1. FREE membership.
    While FREE enrollment is a good thing, there is also a downside. Whenever something is free, it’s not going to be valued. There are and there will be many associates who’ll join your CTFO team because it’s free, and then they will do nothing. If you understand that, then you won’t be discouraged. Yes, you need to build a team of 100 members in order to have 3 of them active, and maybe only one out of 1,000 will become a leader.
  2. Recently legalized industry – many unknowns, few research studies, constantly changing laws.
  3. CTFO is a young company that is still in the process of building its structure and strategy. This leads to many changes that may temporarily affect the smooth operations of your business.
  4. Limited control of your business.
    Your business fully depends on the direction of the Company. You must comply with CTFO policies and regulations.
  5. Long-term commitment: you’d need to devote at least 5 years of your life before expecting any noticeable success.
  6. Even with your full commitment, your success is not guaranteed.
    Your passive income depends on your team. You may work hard recruiting, coaching and motivating your team members, but if they don’t produce, your time will be wasted.
  7. Single source of income.
    Once you start producing noticeable results, you won’t be allowed to work with more than one MLM company.
  8. Not everyone is built to succeed in the network marketing model: a certain set of skills and character are required.
  9. There are too much hype and hustle.
  10. Personal relationships could get damaged.

The Bottom Line…

CTFO is definitely a legitimate company offering zero-financial-risk income opportunity and a variety of highly beneficial top-grade products. CTFO is a young multi-level marketing business under mature and experienced leadership.

However, your hard work and time investment are at high risk if you decide to commit to building your business and growing your organization within the network marketing structure.

In network marketing, you may spend years of your life and lots of energy and effort only to find out that this opportunity is not for you.

You may damage the relationships with your friends and family as lots of your social events and family gatherings will be interrupted by the urgent business calls. Needless to say, that if you start targeting your “warm market” too intrusively, they may start avoiding your company altogether.

You may even build a good size organization, only to find out that nobody in your team is as committed as you are, and they just don’t produce. You may never find those leaders that you’ve been eagerly looking for.

Even if YOU do all it takes to succeed, you’re not fully in charge of your success. It takes a very long time to even realize whether you’d be able to succeed in a network marketing opportunity.

Are you ready for this marathon? Do you have what it takes to win? If you are confident that you can win in this model, then CTFO is a great choice for you!

Become CTFO Associate for FREE

If you don’t think network marketing in general is for you, then better don’t get involved. As I mentioned above, you can still join CTFO for a small side-income, but I don’t recommend to fully focus on building a full-scale business with it.

Instead, I highly recommend to learn affiliate marketing and launch an online business where you are in full control of your goals, strategies and your success depends solely on YOU.

If you need advice on where to start and what the best, safest and most affordable place is to learn affiliate marketing, launch and grow your online business, then click the button below for my #1 recommendation.

Read Wealthy Affiliate Review button


What does CTFO stand for?

CTFO is an acronym for Changing The Future Outcome.
…changing the future outcome of what?
– of people’s health and wealth.

Who owns CTFO?

Brothers Stuart and Steve Finger and Michael Kahn. The owners have several decades of network marketing experience. As it’s stated on the company’s website, “CTFO was founded by network marketers, for network marketers. The founders couldn’t find any other company that stacked the odds in favor of the Associates, not against them.”

Is CTFO a good CBD oil?

CTFO offers 3 different types of top-grade CBD oil drops (both types of full-spectrum contain under 0.2% THC in compliance with Europian laws; Isolate contains 0% THC):
1) 10xPure™ full-spectrum CBD oil enriched with CBDa (500mg/ 1000mg/ 1500mg) – hydrophilic and of the highest potency
2) Full-spectrum CBD oil (300mg/ 500mg/ 750mg/ 1500mg)
3) Isolate CBD oil (500mg/ 1500mg)
CTFO CBD is made from NON-GMO, PESTICIDE FREE, CO2 Extracted Hemp Oil using only organic ingredients. All CBD products are manufactured in the USA in GMP-certified facilities (GMP is an acronym of Good Manufacturing Practices).

Can you make money with CTFO?

You can join CTFO for FREE and start earning 20% of the Commission Volume (CV) from your personal sales without placing your own order.
In order to take full advantage of the multi-layered lucrative and partially copyrighted compensation plan, a low-cost monthly order ($47.47 if on auto-ship) is required to keep your eligibility status. An associate can turn the qualified status to “YES” anytime by making a qualifying purchase. For qualified associates who have guts for succeeding in network marketing, the sky is a limit for earnings with CTFO. Your results depend on the time and effort they want to invest and on the size and quality of the team, you manage to build.



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