Is Changing The Future Outcome a scam? || CTFO Review 2018

CTFO stands for Changing The Future Outcome, but if you were searching ‘Chew The Fat Off’ you are in the right place too – please continue reading. In this article, I’ll explain why there are two different definitions for the same acronym, briefly touch on CTFO history, explain company’s business and structure, show you pros and cons, and prove that this company is a legitimate business and is safe to join.

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What is CTFO and what is My CTFO?

CTFO as Changing The Future Outcome (MyCtfoCBD.com *) was born less than a year ago, in January 2018. It is a direct sales company that offers CBD- and non-CBD products to maintain your health and beauty.
However, brothers Stuart and Stephen Finger founded CTFO several years before the Changing The Future Outcome was launched. The first CTFO abbreviation was used for Chew The Fat Off (myctfo.com) and was focusing on a weight loss solution. Brothers Finger founded Chew The Fat Off in 2015. Michael Kahn was the Chief Operations Officer. When they switched to the new product line in 2018, they decided to keep the acronym but give it a different meaning.

Changing The Future Outcome name reflects very well the new direction of the business because 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 soon-to-be a billion dollar industry. CTFO as a company utilizing a Multi-Level Marketing business structure exists for over 3 years. Stuart Finger has many years of experience in running an MLM business. Before CTFO, he owned GBG – yet another MLM company, which he founded in 1996. Brothers Stuart and Steve Finger, and Michael Khan are the co-founders of the Changing The Future Outcome.

3 Co-founders of CTFO

The Chew The Fat Off company’s website ran on MyCtfo.com domain. Changing The Future Outcome kept “my” in its domain name to emphasize a personal business opportunity for each associate, and added “cbd” to the domain name of their new website to reflect on a new product. Thus, the answer to the header question is: there is no company named “My CTFO”; CTFO website for Chew The Fat Off ran on myctfo.com domain and new CTFO website for Changing The Future Outcome was launched on myctfocbd.com domain.* Some Non-CBD products inherited from Chew The Fat Off
The companies were founded by the same people but never coexisted: Changing The Future Outcome took over the Chew The Fat Off business. In fact, in addition to the brand new CBD-based product lines, Changing The Future Outcome offers non-CBD products inherited from the Chew The Fat Off business. Those are actually excellent anti-aging, beauty, and weight loss products.

*[01/16/2019 Update: a new website was launched today at yet another URL]

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)

Click here to read CTFO detailed Compensation Plan

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 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:

  1. 10xPure Full Spectrum CBD Oil Drops
    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
    CTFO 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
    This 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 positively for THC.

The bottom line…

CTFO is a young multi-level marketing business under mature and experienced leadership.

As Change The Future Outcome, the company launched in the beginning of 2019 and introduced its new CBD-based product lines.

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:

  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 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.
  2. For now, it is only available in 7 countries: USA, Canada, England, Ireland, Scotland, Sweeden, Wales. However, it is expanding fast and in the next 4 years is expected to start the business in 35+ more countries. 
  3. 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

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