CTFO Review 2020

This unbiased CTFO Review is up-to-date as of April 2020. CTFO or Changing The Future Outcome is an MLM company offering CBD and non-CBD products.  Please continue reading 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.

What is CTFO?

In 2015, brothers Stuart and Steve Finger and Michael Kahn launched a new wellness company utilizing a Multi-Level Marketing business structure. 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. 

It also 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. In order to take full advantage of the multi-layered lucrative and partially copyrighted compensation plan, a low-cost monthly order is required to keep the eligibility status. Please click the link at the beginning of this paragraph to read more about the CTFO business opportunity and watch the videos introducing the compensation plan and recently added Business Builder Packages (BB Packs). BB Packs are optional, but allow new associates to jump-start and grow their business faster. 

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.

Is Changing The Future Outcome a scam?

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

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 because I’m not actively building my business with this company. I prefer affiliate marketing over network marketing

In the video below I’m revealing in detail my personal experience with the company.

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 ($47.47 on auto-ship with an additional 5% discount, or $49.97 if not on auto-ship), 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 as a business opportunity for you.

“If you are not earning residual income, you are absolutely missing the boat.”
~Stuart Finger

Would you like to help people be healthier, get rid of the ailments they may have and yet earn some residual income? How would you feel if you offered a solution to greatly reduce or eliminate the pain to a person who has been in pain for years? It feels wonderful even if money is not involved, believe me. However, you wouldn’t mind getting paid on top of this heartwarming reward, would you? CTFO is your chance!

CTFO utilizes a Multi-Level Marketing (MLM) business structure. In this article, I explained how to decide whether an MLM company is a legitimate business or a pyramid scheme. The 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 products:
    1. 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. I will discuss below its benefits in more details, and we’ll talk about an exclusive to CTFO product that uses ’10x Pure’ patented technology.
    2. As I mentioned above, besides CBD-based products, CTFO offers its customers non-CBD product line for weight loss, beauty, anti-aging and even unique and innovated Hair Growth System.

CTFO 60 Days Money Back Guarantee policy

“A sixty (60) day money back guarantee is offered on each of CTFO’s products and product packages on the purchase price paid, less any shipping and handling fees.”

  1. CTFO sells its products at a discounted price: 30% below the suggested retail price.
  2. CTFO associates are paid commissions only from the sales of the products. The company offers the fairest copyrighted 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 simple, straightforward, easy to accomplish 4-part Compensation Plan with no gimmicks and no gotchas. The 4 types of compensation are as follows:
    1. Retail Profit
    2. Unilevel Pay
    3. Regenerating Matrix Pay (With copyrighted Profit Sharing Positions)
    4. Infinity Bonus Pay (And Top Gun Pool)
CTFO Compensation Plan Chart

Watch the pay plan training video.

What is cannabidiol oil for?

Cannabidiol or CBD 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 causes a cascade of homeostasis through our entire central nervous system and our entire immune system and restores the dynamic balance between polar opposites in our systems.
(source: The Inside Story of Cannabidiol (CBD) by Asher Milgrom, PhD )

Benefits of cannabidiol or CBD oil:

  1. Greatly minimizes pain, 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; gets you rid of joints discomfort.
  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.

CTFO offers three different types of CBD oil tincture:

  1. 10xPure Full Spectrum CBD Oil Drops
    10xPure Key Benefits This supercharged Full Spectrum CBD oil is hydrophilic, making it easily absorbed into the body. It provides accelerated absorption and potency and acts as an antibacterial and prebiotic. 10xPure comes in 500mg or 1500mg strength. Each bottle contains 50 servings (1oz/ 30 ml) of Pure CBD Hemp Oil and 10xPure which can be used twice daily. Drops should be applied under the tongue.
  2. Full Spectrum CBD Oil Drops
    Full Spectrum CBD Oil - Key BenefitsCTFO sources its hemp from Industrial Hemp farms that produce some of the richest CBD Hemp in the USA. Their CBD comes from the Non-GMO plants, is pesticide-free and of the highest grade in the world. These Industrial Hemp Farms are fully compliant with the State Department of Agriculture regulations and are large US distributors of Hemp, rich in CBD, CBG, CBC, and CBN. Full spectrum CBD oil comes in 300mg, 500mg, 750mg and 1500mg strength. Allowable (and legal in the US) trace of THC is 0.3% or less. Each bottle contains 1oz/ 30ml of the Full Spectrum CBD Oil Drops which equals to 50 servings.
  3. Isolate CBD Oil Drops
    Isolate CBD Oil Key BenefitsThis is CBD isolate with a purity of approximately 99%. CBD is completely isolated through CO2 extraction and crystal precipitation. CTFO isolate drops contain zero THC, having no known side-effects allows for safety consuming at a higher concentration. Natural peppermint flavor. This product comes in 500mg and 1500mg strength. Each bottle is 1oz/ 30ml and contains 50 servings.

CTFO Full Spectrum CBD Oil and Drug Test Results

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

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, taking the CBD from a dispensary will test positively because they have to sell products with THC in them.

At CTFO, the detailed reports on the Laboratory Test Results are available for each product. You can check the exact amount of each compound in the CBD oil drops you choose. Each report is a several-page-long .pdf document, but let’s take a look at the summary on the first page for 750mg Full Spectrum CBD Oil from September 2018:

In this particular series of Full Spectrum CBD Oil drops, CTFO had zero TCH (ND stands for ‘Not Detected’) Then, there were debates on whether the full spectrum should contain some traces of TCH, and because it is a Full Spectrum, the decision was made to include 0.2% THC, less than legally allowed, and less than CTFO had in its full spectrum when they just started the CBD business – the times Dr. Sloan talks about.

While many CTFO customers underwent urinalysis in the past, no one was ever tested positive for THC.

CTFO Pros:

  1. CTFO is GMP CertifiedGMP (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! 
  2. FREE entrepreneurial opportunity.
  3. Generous Pay Plan
  4. Each associate gets a personal website.

  1. International.
  2. Ethical, trustworthy, and compliant.
  3. Promotes a healthy lifestyle.
  4. Offers the most in-demand product on the market: CBD oil drops, and other forms of CBD, such as vape, cream, oral spray, capsules, and gummies.
  5. Offers high-quality Non-CBD weight loss, anti-aging and beauty products.
  6. 60-days full refund guaranteed on all products; an empty bottle is fine.
  7. The products are offered at a discounted price.

CTFO Cons:

  • 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 20 of them active, and on average, only 3 out of 100 will become leaders. I personally asked Michael Swilling, Executive Vice President, this question and he gave me such statistics.
  • CTFO is an International, but not truly Global company yet. It’s available in the United States and its territories, all countries of the UK and several other European countries:
    • Denmark
    • Finland
    • France
    • Germany
    • Iceland
    • Ireland
    • Italy
    • Norway
    • Portugal
    • Spain
    • Sweden
  • CTFO also operates in Canada shipping there only non-CBD products. It will soon open a new Distribution Center in Canada 
  • Since the company is still very young and growing very fast, there is not enough training and marketing material. However, the creation of new promotional materials, training, and automated services for the associates is currently the focus of the company leaders.

CTFO is an ethical, transparent, and compliant company. It’s a legitimate fast-growing business, and to join it now is the only right decision one could make because it opens up a FREE opportunity to help people and animals be healthier and thus improve their quality of life and build your own business, which will earn you residual income. After only a few months in business, CTFO as a company is making $2 Million per month and GROWING. You don’t want to sit back, wait and watch is grow. You want to grow with it! Make your smart choice NOW.

Join CTFO as an Associate

Inc. Magazine listed CBD industry among 8 best industries for starting a business in 2019.

Inc. Magazine about the CBD Industry

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.



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