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).

CTFO owns several products that are unique on the market, exclusive to CTFO and put CTFO ahead of the competition. These products use innovative and patented to CTFO 10xPure™ delivery method, which makes CBD oil hydrophilic (mixing well with water) without breaking the molecules and leading to its higher absorption by our body and thus potency. 10xPure™ also protects the integrity of CBDa, which is a huge advantage of any other CBD product on the market.

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.


34 thoughts on “CTFO Review 2020”

  1. Thank you for this detailed post. I use CBD products and it’s been awesome for me. I had inflammation and eczema and that has been the major reason I make use of the CBD oil. But seeing that it’s sold 30% off as a discount by CTFO really got me spotted on. I like the fact that it provides entrepreneurship opportunity coupled with free websites for the ones who wish to promote the company and product. I think I’m loving the offers.

    Thanks for sharing

    • Thank you so much for your feedback. I am glad to hear that you are familiar with CDB oil, and it helps your inflammation and eczema. CTFO “Preferred” prices are really good, and in order to become a “Preferred” customer, one only has to create a customer account on the CTFO website. However, since there is no cost to become a CTFO associate, it’s an even better option, because I am sure that one will fall in love with the products and be happy to recommend them to family members and friends and receive commissions from their orders, which will further offset the cost of own purchases. And of course, with an additional effort, this free but priceless opportunity could be developed into a full-scale lucrative business. I hope to see you joining the team.

      Best regards,

      ~ Julia

      • Hi, Julia is this opportunity open for Africans yet? I’m in Namibia and I would like to become an associate. Considering the fact that Cannabis is still considered illegal in Namibia, however, I’m not sure about products made from it but as someone who is unemployed I would really love to make use of any opportunity to make even the littlest money

        • Dear Victoria,

          Thank you for your interest in CTFO. Unfortunately, CTFO does not operate in Namibia yet. There is a list of countries in my article which we are shipping products to and welcome associates from.
          If you are unemployed, I can recommend starting your own affiliate marketing business – that has no borders or limitations.

          Wishing you all the best,

          ~ Julia

  2. Hi,

    I found your review so much helpful. From your post, I came to know about Changing The Future Outcome. I heard about this in the past, but never acquired so much information about it before reading your review. My mom is suffering from eczema and I think that CBD oil will help her. I will buy CBD oil for my mom. It has so many benefits and reputation for a very safe remedy. I came to know everything about CTFO from your article.

    Thanks to you for sharing such a great informative review with us. It was helpful. I will share this post with my friends and family.

    • Hi Fahim,

      Thanks for reading my CTFO review and taking the time to comment. I am glad that you found this information helpful. CTFO is a legitimate MLM company that offers priceless business opportunity absolutely free. Thank you for sharing my post with your friends and family.
      CBD oil is a great helper for people who suffer eczema. It’s a good decision to buy it for your mom. I’m confident that it’ll help her.

      All the best,

      ~ Julia

  3. I’ve been searching for an opportunity linked to CBD oil over the last few weeks and this seems to fit the bill pretty well, although I am a bit on the fence when it comes to MLM opportunities. 

    In your opinion – how does this MLM setup fare when compared to other MLM opportunities? Do you feel it’s a fair commission plan and setup?

    I only ask as I have heard of people losing a lot through hastily signing up with this form of marketing. 

    • Dear Chris,

      Thank you so much for your interest.

      If one can’t be successful with CTFO, then (s)he won’t be successful with any MLM business at all. It’s a 100% free opportunity with no obligations to buy their products. What do you risk with “FREE”?

      Their compensation plan is the fairest (and parts of it are copyrighted). It has four layers, and company owners are on this pay-plan as well. Without paying an entrance fee or purchasing CTFO products, you can start earning 20% commission of cash value just by selling their amazing top-grade products, which significantly improve people’s health, relieve chronic pain, and return quality of life to many (including me!). The video in my post explains all 4 layers of the compensation plan well, but if you have questions, I’d be happy to answer.

      With CTFO, there is no way to lose. An associate could

      – earn a little extra money

      – deploy a full-scale lucrative business on CTFO opportunity

      – or do nothing and remain where (s)he was before joining.

      If you are concerned about the MLM business model in general, here is a good read on how to sort out a legitimate opportunity from scams

      Please don’t hesitate to ask more questions. You, or anyone who reads this post and conversation, can email me with questions at julia@livewealthyretirement.com 

      I hope to see you as a member of our team soon. 

      ~ Julia

  4. Hi Julia
    Thank you so much for this in depth review of CTFO.
    As a member of CTFO I appreciate all the details which you have given, and I think that anyone who is really searching for a company to associate with will fully understand what a great opportunity CTFO offers.
    I particularly like the fact that CTFO gives me the opportunity to spread the word about the amazing Health benefits which CBD Oil offers, and how many people are already benefitting from taking it to help with so very many health conditions, or simply to optimise their health and immune system.
    There is no other company which offers the 10X Pure CBD Oil which helps even more than normal CBD with pain and inflammation, and general health, and I really appreciate that the company is so open about all the Lab tests which are done. It is a completely ethical company.
    I would totally recommend anyone who is reading this to join us for free and find out just how great it is for themselves.

    • Dear Chrissie,

      I very much appreciate such a supporting comment from the fellow CTFO associate. I hope your confirmation of all the awesomeness of the company and its products will convince the other readers of this post that CTFO is the best and only choice to shop for CBD products. And if they ever consider working with a direct sales company, then CTFO is their best choice as they can start earning without investing even a penny.

      I totally agree with you that spreading the word about the countless benefits of CBD oil for our wellness and restoring the reputation of this amazing natural remedy, which was undeservedly ignored and forbidden for many decades, is rewarding on its own.

      Thank you, Chrissie. I wish you strong health and success in your business.

      ~ Julia

  5. Excellent article Live Wealthy Retirement! Well done.
    I especially liked that you have kept it current as CTFO grows and adapts to a rapidly changing/growing industry. The patented 10XPure is promising as well as the many new products appearing on your store site. CTFO is a winner!
    Dr. Sloan’s testimony shared here is especially compelling. You have something special here — a patented process making CBD truly water soluble is amazing, to say the least! Thank you for sharing. I’m planning to come back to check for further updates.

  6. Wow, it really got my attention when you mentioned there is a free income opportunity, especially because it seems that CBD products have skyrocketed in popularity as legislation changes. It still seems pretty early to get in on the CBD rush, but even so, I’m hesitant to go near MLMs due to some bullying / intimidation I got from one a decade ago (crappy way to recruit, huh?). 

    I’m also a bit confused with regards to your involvement… you say you aren’t “actively building your business,” but you are still involved in this business, correct? 

    How did you first learn about the opportunity? Thanks!

    • Hi Aly,

      Thank you for your comment. I first learned about CTFO because I had a health problem, which I didn’t know how to deal with… This problem stopped me from working on my online business and writing to my website. My friends from Wealthy Affiliate (the place where I learn affiliate marketing and host my websites) invited me to try CBD oil and see if it helps with my health condition. It did help me a lot! I talk about it in the video included in the article…

      So, I started with CTFO as a customer (even though I signed up as an associate) and I still am a customer. I love CTFO products and naturally suggest them to my friends when they complain about their ailments… I explain all of it in detail in the video. I get some very small monthly commission from the purchases made by my referrals.

      I don’t promote CTFO income opportunity because I wouldn’t be honest if I encouraged everyone to join… Network marketing is NOT FOR EVERYONE. It can be very lucrative, but only for people with certain personal qualities. I can’t recommend it to all. So, my point is that if someone feels like he or she can be a winner in the network marketing model, then CTFO is a great choice. 

      I’m not that person. I prefer Affiliate Marketing and invite everyone who is more like me, to join us at Wealthy Affiliate and learn and build affiliate marketing business online. I strongly believe that more people can succeed in affiliate marketing than in network marketing.

      Be well,

      ~ Julia

  7. I have contemplated CTFO for quite some time, but until now I never really knew if it was a scam or an actual way to make money. I love how they offer both CBD and non-CBD products, as most companies make you choose one or the other. A lot of sport athletes are promoting the benefits of CBD Oil and a few have mentioned CTFO, making me interested even more and finding your site. I noticed you mentioned the various methods of achieving income, which poses the question: Is it easy to promote this product to sell it, or is CTFO so good that the products sell themselves?

    • Hello,

      CTFO is a Network Marketing company. Their products are excellent and very affordable, but it’s really hard to build a full-scale business within the MLM model. 

      CTFO doesn’t use standard methods of advertisement – that’s why sports athletes don’t use CTFO products. Promoting products is not hard, especially if you’ve used them and loved them yourself as I did. However, the commission you make from each personal sale is low. 

      You earn huge passive income only when you build a large organization under your leadership. That takes a lot of time and energy. That’s why I said that CTFO is great for the customers and people who want to make some small side-income. However, not many people are able to succeed in any Network Marketing opportunity, and CTFO is not an exception. 

      All the best,

      ~ Julia

  8. I am a big supporter of CBD and the wonderful benefits you can derive from regular use. I started taking CBD years ago to help me sleep at night. I had hit 40 and was starting to have issues turning off my brain at night and cycling down. CBD helped me do just that. It also helped with other issues that I didn’t expect such as easing anxiety and tension while also helping with inflammation in my body. the CTFO products seem as though they are a good alternative and the price seems fair as well. I know that sometimes these CBD products can become costly. Also I hear the drug test question come up all the time. Very in-depth review of CTFO.

    • Hi Scott,

      Thank you for your comment. Yes, I agree with you and had the same wonderful results from using CTFO’s CBD products. I sincerely recommend their products to my friends and followers.

      You’re correct: the high-quality CBD products can become costly, and I don’t recommend anyone buying these products on a gas station or on Amazon – that can be dangerous! I like the fact that the membership with CTFO is free, and it’s easy to make a small commission. As I explained in the post, I personally wouldn’t set my focus on building a full-scale business with CTFO (or any MLM!), but earning a little extra with no much hustle, suits me well.

      All the best,

      ~ Julia

  9. Hi Julia, I have been hearing so much about CBD products, especially recently. This amazingly detailed post answered alot of my questions about them and I also like your honest review. I’m not at all good with network marketing yet. Still finding my footing so to speak and some of your points really resonated with me and have me really thinking more about it honestly.

    • Hi Ashlee,

      And I couldn’t agree with you more regarding the disadvantages of network marketing. That’s why I do not recommend even CTFO’s free opportunity as a foundation for a home-based business. However, this company allows some small earnings free of the hustle and without financial risk. So, why not take advantage of it? And yes, genuine high-quality CBD products are awesome and non-CBD products offered by this company are also amazing.

      Be well,

      ~ Julia

  10. Thanks for an honest review which is unbiased on MLM. Like any business it requires hard work and success is not guaranteed. You go into details regarding the product and the people behind it. An amazing piece of work thanks

    • Hi Jerry,

      Thank you very much for your visit and comment.

      I agree that any business requires hard work and success is not guaranteed. I do believe, however, that this is a bit exaggerated reality when it comes to MLMs. In other types of business, success shows more linear dependency on the amount of effort you put in, while in MLM, it’s possible to get lucky on your very first referral, and then these people will take over and generate passive income for you. But it’s also possible to never get lucky and find a true leader to join your team. Then, no matter how hard you work, there will be no real success as in the MLM model it fully depends on your team.

      But, CTFO products are great and I feel safe offering them to people…

      All the best,

      ~ Julia

    • Hi Lyosha,

      There is nothing bad about CBD. It’s a very powerful natural remedy that helps our body to maintain a state of homeostasis or dynamic balance. However, there are many bad, dishonest, or low-quality CBD-containing products on the market. CTFO offers only top-grade products and I feel safe to recommend them to others.

      Take care,

      ~ Julia

  11. I’ve been reading so much about the fantastic effects of CBD products and CTFO’s product line with it seems great.
    I’m usually quite wary of MLM companies but you’ve done a good of explaining in detail what CTFO does. I think having a free income opportunity would set them apart from several of their peers and also help folks like me who tend to run the other way when it comes to paid memberships!

    • Hi Smita,

      I agree that the free membership sets CTFO apart from many other MLMs. But even with a free opportunity, I personally wouldn’t try to build a business in the network marketing model. However, there is really no reason “to run the other way” from the great products, below-average prices, and a free opportunity to earn a little bit as a side-hustle.

      Thank you for your comment. All the best,

      ~ Julia

  12. Hi from a fellow financial independence enthusiast! This sounds like a better MLM than most, especially because of the free entry. I had a friend who joined one of the others and she had to buy $1500 worth of product just to get started, plus flights and fees to go to their conventions. It seemed like a bad deal for her, but CTFO looks better.

    It‘s true of most things worth doing that they take a long time. I‘m glad you mentioned it taking 5 years to really start seeing big results. This seems a common timeline for success in many fields.

    • Hi Kat,

      There are always out of pocket expenses to participate in the conventions, and any MLM runs many of them. However, they are always optional, even though there is a strong push to participate. $1500 sounds like a lot of money to spend for a start. I wouldn’t even consider if that was what I had to pay upfront. I wonder how your friend is doing now. Is she still working on her business with that MLM?

      CTFO definitely is a “new era” MLM and is one of the best opportunities within the network marketing world, but still, I don’t blindly suggest it to everyone. Network Marketing is Not for all.

      All the best to you,

      ~ Julia

  13. Julia, I have been a part of CTFO since 2017 and I still love the products. But since they hired a new president things have changed. First they got rid of a lot of lowest priced products that people loved. And 2nd now they are telling us that under the new program, CTFO 2.0. That is if we don’t buy 45 dollars worth of product every month we wont get paid our commisions unless 10 of our downlines are spending 45 dollars per month. And starting in November, if we have not bought a product in 60 days then we will lose all of our downlines to the person above us. They told us their doing this to encourage us to keep building our business. I love this company. But I dont like seeing it become like this due to bad the leadership they just hired to make the company hit a billion in sales.

    • Hi Forest,

      I’ve been a part of CTFO since 2017 also. As you can see, this article was written in 2020, and I haven’t updated it since. I didn’t even know they hired a new president! Really? I felt like I was liking the company a little less every day since they hired a new marketing director.

      After CTFO discontinued my favorite skincare products with CBD, I lost interest in the company’s business. I won’t buy what I don’t need and I can’t promote what I don’t use myself. I’m fit and not interested at all in the weight loss line. I still buy a couple of their 10xPure CBDA products, but not monthly.

      I thank you for your comment because like I said, I stopped following CTFO and you informed me of all these upcoming changes. Unfortunately, this means that I’m done with CTFO. I really like my upline person and he’s still active. I don’t mind contributing to his success by transferring my downline over to him. Though, I feel cheated by the company. Oh, well!

      I wish you good luck and all the best in whatever you decide to do with the CTFO business!


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