ctfo cbd oil reviews

Full Review of CTFO – Legit Business Opportunity or Scam?

Welcome to my review of CTFO (Changing The Future Outcome).

The company claims to provide consumers with the best CBD oil products on the market. Along with an equally amazing ‘business opportunity’ for those that want to spread the word.

In this review, I’ll show you what you need to know…

What’s CTFO About?

CTFO (short for “Changing The Future Outcome”) is a US based network marketing company that specialises in CBD Hemp oil products.

Through my research I found that the company originally launched in 2015 as a weight loss MLM called Chew The Fat Off. Which is a bit odd.

I guess that didn’t work out very well for them. Which may explain why the founder (Stuart Finger) and CEO (Steve Finger) re-branded the company to “Changing The Future Outcome”, and started selling CBD products earlier this year.

Either way, there’s no denying the massive upward trend surrounding CBD oil products…

Many people are becoming aware of the potential benefits of CBD (Cannabidiol), so this is definitely a growing market with tons of potential for startups.

The question is though- is CTFO selling high value CBD products and offering a legitimate business opportunity, or is this really just some type of pyramid scheme?

To answer this question, let’s first take a closer look at the products themselves…

The CTFO Product Line

The CTFO product line is made up of various creams, drops and edibles that are rich in CBD oil.

And incase you’re wondering… no, none of these products will make you high!

CBD oil is derived from the Hemp and Cannabis plants, but it contains little to no THC (the part that makes you high). CTFO’s CBD oil apparently has zero THC, which means it is fully legal and compliant throughout all of the US and Canada.

Changing The Future Outcome sells a range of CBD products which fit into FOUR main product categories– health, anti-aging, nutrition and CBD for pets.

CBD for “health”. These products consists of CBD oil drops for general health and wellness benefits such as increasing your energy levels, decreasing anxiety, improving digestion and boosting your immune system among others. As well as CBD cream which is combined with Emu oil, and apparently helps with aches and pains.

CBD for “anti-aging”. CTFO’s anti-aging products consist of 15 individual products that range from hair regrowth treatment to ‘anti-aging serums’, skin creams and facial cleaners.

CBD for “nutrition”. The nutrition product category consists of edibles, oral sprays and capsules designed to help improve your mental and physical well being. Such as reducing stress, losing weight and getting a better nights sleep.

CBD for “pets”. Treats, drops, sprays and even CBD infused shampoo aimed at reducing anxiety and helping your pets live a healthier life.

As you can see… there are lots of products on offer here for a variety of purposes.

But are these legit products that will actually help you?

Well, (as a whole) the benefits of CBD oil are well documented and there’s no shortage of people who claim it helps them in various ways. From helping with anxiety, to muscle aches and even epilepsy.

However, whether or not CTFO itself is producing the “highest quality” CBD, for the best possible price, is another story.

The company certainly claims that they have the best CBD going…

We source our hemp from Industrial Hemp farms that produce some of the richest, CBD Hemp in the USA. Our CBD is completely isolated through CO2 extraction & crystal precipitation & is of the highest grade, pesticide free, Non-GMO hemp in the world

But that’s what they all say, right?

The company does provide lab testing results though, which does show the quality of the products. And while it is difficult to compare prices (given the sheer number of products and places you can buy) the prices seem fairly reasonable overall.

So I think it’s safe to say that these CBD products are legitimate.

However, just how amazing each individual product is, is really something only you can decide. Obviously if you were going to be selling these products, you’d want to try them yourself to at least some extent.

That way you can know for sure that you are offering people real value.

Either way, I always recommend doing your homework before buying (comparing with other companies) and being cautious of bold claims about potential health benefits.

The CTFO Compensation Plan

The CTFO compensation plan outlines the ways associates can earn money within the business opportunity, and how much.

As with most MLM (multi level marketing) companies, this stuff can get pretty confusing and elaborate. In this section I’ll break this down as best I can to help you understand how it all works.

Getting started

Joining CTFO is 100% free.

Some CTFO promo sites I’ve seen are really emphasizing this too, using statements like “no gimmicks – no gotchas – no credit card required”.

And this is true for the most part. It is free to join and you can earn 20% commissions on any sales you make. Without ever needing to upgrade or qualify further.

This is no doubt a big selling point on the business opportunity side of things. Especially considering how there are startup costs involved with similar MLM companies like Kannaway and Hempworx.

However, if you want to qualify to earn from the core MLM pay plan (the meat and potatoes) you need to become an “active, qualified associate”.

Which means either purchasing $47.47 worth of product yourself OR maintaining at least 10 personally enrolled customers or associates.

There are some conditions attached to the latter option though. At least two of these retail customers need to be spending $47.47 a month and any recruited affiliates need to be fully “active qualified associates” themselves.

Ways You Can Earn Money

There are four main ways you can earn within the Changing The Future Outcome compensation plan:

  1. Retail Commissions
  2. Unilevel Commissions
  3. Matrix Commissions
  4. Bonuses (Infinity bonus and Top Gun bonus pool)
1) Retail Commissions

Earning retail commissions is all about selling the product itself, either in person or via your free replicated website.

If you prefer to sell in person, the idea is to buy the products at the wholesale price, and sell them at retail. If you sell online, you simply earn a set commission direct from CTFO once the sale has taken place through your site.

To understanding exactly how much you will earn from retail sales, you will need to analyse the CTFO product price list.

Using that price list I thought it would be helpful to illustrate the earning potential of selling the “300 mg Pure Hemp CBD Oil Herbal Drops”…

Example 1 (selling in person): The product wholesales at $49.97 and the suggested retail price is $65.97, which means you will make a profit of $16 for this product if you sell it in person. Or more if you want since you can set your own prices.

Example 2 (selling via your website): All products carry their own set ‘commissionable volume’ (CV), and retail commissions are based based on 20% of whatever the CV for a given product is. The CV of this product is 25, which means the commission is $5.

Now while it may seem like the first example is the way to go- it’s really not for most people.

Because ANYONE can buy at wholesale from the get go… without doing anything other than visiting your online store. So the whole ‘suggested retail price’ thing is a bit of a marketing gimmick, since who in their right mind would pay retail when they don’t have to?

The only people who would pay that price, are probably those who don’t use the internet. So when you boil it down, the REAL commission here is 5 bucks on that product.

That’s not too bad for a physical product, but without the remaining MLM components of the compensation plan, it’s not very exciting either.

2) Unilevel Commissions

This is where the MLM aspect of the pay plan starts.

This works on a ‘unilevel’ downline system. Where you are at the top of your downline, and anyone you personally recruit becomes your ‘level 1 referral’. Anyone they recruit becomes your ‘level 2 referral’ and so on, 5 levels deep and infinitely wide.

This income stream pays you 20% commissions on the CV of any level 1 referrals, and 4% of the CV generated within levels 2-5.

3) Matrix Commissions

This is a separate income stream with a separate downline, that every CTFO associate is automatically placed into upon joining.

This downline is not just made up of people you recruit, this downline is made up of every associate in this company. The way this works is you are placed into a ‘3×21 matrix’, where each associate can have a maximum of 3 people under them.

So you are at the top of your own ‘CTFO Regenerating Matrix ‘, and sooner or later you will have 3 people under you, who make up ‘level 1’ of your matrix. And they will each have 3 people under them, and so on, 21 levels deep.

So naturally there are going to be many associates above you (people in your upline). Which means associates will be ‘forced’ into your matrix downline from the efforts of people in the matrix above you.

Here are the commissions you can earn from this income stream:

  • 1% commission on the total CV generated within matrix levels 1-5
  • 10% commission on the total CV generated within matrix levels 6 and 7
  • 1% commission on the total CV generated within matrix levels 8-21

These commission rates are small, but this is where you can potentially generate a significant residual income over time. If you have enough associates under you.

Not sure why they made it 21 levels deep though, because it would literally take 15.69 billion people to fill this matrix (LOL). Obviously a lot more people than are even alive on planet earth.

Anyways, another important point to mention here is that you don’t begin earning at the full potential of this downline. You only earn a quarter of the above commission rates, and the levels you can earn from are capped.

This only increases as you achieve higher associate ranks (more on this below).

3.1) Profit Sharing Positions

In addition to standard matrix commissions, you can also earn extra income from the ‘Profit Sharing Positions’ (PSP) aspect of the compensation plan.

Here’s how this works in a nutshell:

  • You get 3 people under you in the matrix
  • Your 4th person goes under one of those 3 as normal, however;
  • That 4th person ALSO goes into a new matrix, with you at the top
  • This process repeats at every 4th person onwards which means you can have many matrices

So this means you are earning what you would normally earn within the regular matrix, plus income from these additional matrices that are automatically generated at every 4th person.

The amounts you can earn, and the qualifications, are all the same as before. Nothing changes except you have the opportunity to earn more money.

And since you are at the tippy top of these ‘PSP’ matrices, there’s no spill over. So they are only filled by your efforts and your associates under you.

4) Bonuses (Infinity Bonus and Top Gun Bonus Pool)

The infinity bonus pool is made up of the total CV generated within your entire team.

Each rank from ‘Vice President’ onwards qualifies for this bonus, and each new rank advancement pays you a cumulatively higher bonus percentage. Up to a maximum of 19% of the CV generated within your team.

But you don’t just automatically earn that 19% once you’re at the highest rank. The system also takes into account what those under you are ranked, and divides the bonus up accordingly.

For example: If you are a ‘Senior Vice President’ ranked associate, you will earn a set 4% infinity bonus AND a 4% bonus of any CV generated within your matrix up to the next ‘Vice President’ ranked associate. At which point you would continue earning 4% commissions for CV generated under him or her.

So in this way the system looks to pay out the entire 19% bonus, but divides it up according to who is ranked what.

4.1) Bonuses (Top Gun bonus Pool)

The ‘top gun bonus pool’ is made up of 6% of ALL the CV generated within the entire company. And this amount, whatever it works out to be at the end of each month, is then distributed evenly to anyone who is qualified as a ‘top gun’ associate.

Understanding the ‘CTFO Associate Ranks’

As with most MLM companies, there are various ‘ranks’ within the company. Which rank you are at, determines what income streams you have access to, and how much money you can make within each.

I’ve touched on this a couple times so far. But the following is a full breakdown of how to qualify for each rank, and the income potential within each new rank.

Free Associate

This is your status when you first join the company. Anyone can achieve this status and it allows you to earn retail commissions of 20% of the CV generated from any sales you personally make.

1st Level Manager
  • Personally enrol 1 qualified retail customer or associate

What you can earn:

  • 20% commissions from level 1 of your unilevel downline
  • 25% of total payable matrix commissions within levels 1-7
2nd Level Manager
  • Personally enrol 2 qualified customers or associates

What you can earn:

  • 20% commissions from level 1 of your unilevel downline
  • 4% commissions from level 2 of your unilevel downline
  • 50% of total payable matrix commissions within levels 1-7
Senior Manager
  • Personally enrol 3 qualified customers or associates

What you can earn:

  • 20% commissions from your level 1 unilevel downline
  • 4% commissions from levels 2 and 3 of your unilevel downline
  • 100% of payable matrix commissions within levels 1-7
Executive Manager
  • Personally enrol 4 qualified customers or associates

What you can earn:

  • 20% commissions from your level 1 unilevel downline
  • 4% commissions from levels 2, 3 and 4 of your unilevel downline
  • 100% of payable matrix commissions within levels 1-14
Vice President
  • Personally enrol 5 qualified customers or associates
  • Maintain at least $25,000 in personal team monthly volume (total sales volume within your unilevel downline)

What you can earn:

  • 20% commissions from your level 1 unilevel downline
  • 4% commissions from levels 2, 3, 4 and 5 of your unilevel downline
  • 100% of payable matrix commissions within ALL 21 matrix levels
  • 4% infinity bonus commissions
Senior Vice President
  • Same as Vice President, but with $50k in personal team monthly sales volume

What you can earn:

  • 20% commissions from your level 1 unilevel downline
  • 4% commissions from levels 2, 3, 4 and 5 of your unilevel downline
  • 100% of payable matrix commissions within ALL 21 matrix levels
  • Up to 8% infinity bonus commissions
Executive Vice President
  • Same as Vice President, but with $100k in personal team monthly sales volume

What you can earn:

  • 20% commissions from your level 1 unilevel downline
  • 4% commissions from levels 2, 3, 4 and 5 of your unilevel downline
  • 100% of payable matrix commissions within ALL 21 matrix levels
  • Up to 12% infinity bonus commissions
Presidential Director
  • Become an active and qualified Executive Vice President and;
  • Maintain 3 other active and qualified Executive Vice Presidents on separate unilevel legs

What you can earn:

  • 20% commissions from your level 1 unilevel downline
  • 4% commissions from levels 2, 3, 4 and 5 of your unilevel downline
  • 100% of payable matrix commissions within ALL 21 matrix levels
  • Up to 13.75% infinity bonus commissions
Senior Presidential Director
  • Become an active and qualified Presidential Director and;
  • Maintain 3 other active and qualified Presidential Directors on separate unilevel legs

What you can earn:

  • 20% commissions from your level 1 unilevel downline
  • 4% commissions from levels 2, 3, 4 and 5 of your unilevel downline
  • 100% of payable matrix commissions within ALL 21 matrix levels
  • Up to 15.5% infinity bonus commissions
Executive Presidential Director
  • Become an active and qualified Senior Presidential Director and;
  • Maintain 3 other active and qualified Senior Presidential Directors on separate unilevel legs

What you can earn:

  • 20% commissions from your level 1 unilevel downline
  • 4% commissions from levels 2, 3, 4 and 5 of your unilevel downline
  • 100% of payable matrix commissions within ALL 21 matrix levels
  • Up to 19% infinity bonus commissions
Top Gun
  • Become an active and qualified Executive Presidential Director and;
  • Maintain 3 other active and qualified Executive Presidential Directors on separate unilevel legs

What you can earn:

  • 20% commissions from your level 1 unilevel downline
  • 4% commissions from levels 2, 3, 4 and 5 of your unilevel downline
  • 100% of payable matrix commissions within ALL 21 matrix levels
  • Up to 19% infinity bonus commissions
  • An equal share of 6% of the total CV generated company wide each month

Verdict – Is CTFO a Scam or Legit Opportunity?

From what I can see, CTFO is not a scam.

The company is selling legitimate products that seem reasonably priced. And the CTFO business opportunity does offer people a chance to create a good income over time and with effort.

I personally love the potential of this product too, so I prefer this niche to your typical ‘health and wellness’ MLMs.

With that being said, nothing is perfect and there are drawbacks to consider here.

Probably the biggest of which is the ‘recruiting’ and ‘self qualifying’ aspect of this business.

The MAIN potential to make money lies within recruiting people, who recruit people. Which can become a problem if people are just signing up, buying products to qualify, and then recruit others to do the same. Because this is how pyramid schemes work.

To be clear… I’m not saying that CTFO is a pyramid scheme.

What I am saying, is that within this particular compensation plan, there is nothing stopping ‘chain recruitment’ from becoming an issue.

IF the whole thing is really just about recruiting people who recruit people, and very few genuine retail sales were happening, then the longterm viability of the business will diminish.

On the plus side, anyone can signup and earn commissions as a free affiliate, without doing any recruiting or self qualifying at all. Which is definitely a positive thing and adds credibility to this opportunity.

This might be a good place to start if you want to try the products and make a few extra bucks before diving right in.

In any case, the biggest challenge to making money with Changing The Future Outcome, is getting people to your replicated site.

This requires learning how to do internet marketing. And if you want to do that, you need proper tools, training and support from people who understand internet marketing.

So unless you plan on hassling friends and family (yuk), then you need to get a handle on this stuff.

Whatever you decide, I hope this review has given you some worthwhile insight, so you can make a more informed decision either way.

Tim McKinlay
Hope you enjoyed the article! My name is Tim and I’m the creator of Affiliate UNguru. I started this site out of a passion to help others avoid scams and to share how I’ve been able to create a successful business online. You can see how I did it in this free training.

69 thoughts on “Full Review of CTFO – Legit Business Opportunity or Scam?”

Thanks for the unbiased review. Very helpful and thorough!

And true, this is what most people fail to understand or don’t know how to setup:

“However, what you can do is create a simple lead generation site, and direct those people towards your replicated storefront. This is how you can leverage the power of internet marketing to generate leads and sales, without selling or talking to anyone in person.” – Tim [you]

Reading they’re (pdf-privacy, pdf-terms, and pdf-policy)


With email contact info. being into different locations

Reno, NV and Fairfield, CA

I’m under the impassion that this “myctfo (dot) com” extension used as part of the email residence, is in conjunction with the corporate’s domains website? So, I’m guessing that the domain URL is the corporate website

This review is about CTFO Corporate and their employees, not any MLM associate or downline seller. I feel sorry for those folks.

There are better alternatives out there at lower cost, better product and with no shipping charges. Do your research, they’re easy to find under searches for “best” or “most effective.” CTFO doesn’t even come up in the search I did using those parameters. Some even provide 24/7 customer support.

CTFO takes way too long for “expedited” shipping and even longer (11 days or longer) for standard shipping. They charge USPS Express rates for expedited shipping, yet the product takes 5 (sometimes 4) days to arrive. Expedited? Really? Their standard shipping costs more than USPS Priority and yet I’m still waiting. My order was placed 12 days ago.

It takes them two days to process an order and hand it off to a shipper like DHL. Then, it gets delivered to USPS for final delivery. This adds at least two days to the process.

They have lousy, unresponsive customer service. They are not truthful when telling you when you can expect your order. They make stuff up that is easily verifiable by the tracking number they provide from USPS.

When it would be easier to tell the truth, they don’t. The people I know who used to sell this product are done with this company for obvious reasons.

I ran across your review again and wanted to point out I thought it to be fair and balanced. Except there wer a few errors made, In the matrix plan after you personally enroll 3 people, from your 4th person thru infinity you receive a PSP positioned above each person. Not every 4th person from that point. PSP’s (Profit Sharing positions) are a copyrighted part of the plan, which makes it very unique to everything else.

There has been many enhancements to the plan and product line. There 10X PURE extraction method which they are now part owners in that company. They also add a whole new fast start portion to the plan. They did “Not” touch any of the existing comp plan to add that. Every company I am aware of in my 25 years in this industry will shave a percentage here and there to create an illusion that the enhancements are a benefit.

They added an explosive and unique Fast Start Pay Program, adding nothing but pure enhancements. They have also added a mobile app that is not matched out their for $19.95 a month. Most everything they promote is a choice, and NOT mandatory. You do not have to participate in the fast tract Bonus or purchase the mobile app.

They now have over 80 products and about a 3rd are non CBD. They seem to be headed down a similar path as Melaleuca and forming a powerful shopping club with much higher benefits. They do 2+ billion in annual sales.
CTFO is 2 years in since adding CBD and other products to their product line and are going nowhere but up.

I think it’s important for people reading this to understand that the 3 owners and founders take NO corporate salary. They earn what all of us earn. They always said if they wanted a raise, we all got a raise. They have stood by that and constantly achieve it at every turn or I wouldn’t be in CTFO. This is why they can pay what they do and add a huge Fast Start Pay Program without changing anything in the existing pay plan. Most every NWM company I am aware of all have corporate positions that have corporate salaries. Yes I have been with CTFO for 2+ years and have found the company and founders with nothing but pure integrity!

For the guy “Chuck” who commented above. It shows he did not research before slamming CTFO and one of the founders Michael Kahn. If he had he would find that CTFO is set up where “No One” can possibly get hurt (PERIOD)
Typical sign of someone in another company trying to tear down someone else’s company to make theirs look bigger SMH!

How can anyone get hurt when it cost nothing to join. NO risk?
60 day “EMPTY” bottle money back guarantee. No risk to try the products for 2 months?

I have read quite a few articles of yours and strongly believe if you spent a little time you would be nothing less the astounded at what they have added over the past few months. I have made it a point in my carrier to be a student of this industry. I have yet to have ever found a company that comes close to what they are doing for the average person to succeed.

Keep up the great work Tim!

2 billion in sales? HARDLY. Not even close. MAYBE 125 million, if that. Former Executive Vice president here…..

Welcome to my review of CTFO (Changing The Future Outcome). The company claims to provide consumers with the best CBD oil products on the market. Along with an equally amazing ‘business opportunity’ for those that want to spread the word. In this review, I’ll show you what you need to know… What’s CTFO About? CTFO … Read more

CTFO Review – Are their CBD Oils Cheaper and Better than others?

With the legalization of CBD oil derived from hemp, hundreds of companies like Kannaway, HempWorx, and many more, are flocking into the market to get a share of the pie.

Changing The Future Outcome (CTFO) is one of them, and it is currently considered to be among the leading CBD-based Multi-Level Marketing Companies today.

You are probably here because someone you know recommended you to this company and you wondering if you should try their CBD Oil and join their business opportunity.

You are in the right place because in this CTFO review, we are going to discuss everything you need to know about the company’s products as well as the business opportunity so that you can make an informed decision.

CTFO Business Opportunity Review Summary

Product Quality

Initially, I had doubts about the quality of the CBD oil because they are selling them at a low price, but after understanding why and how they were able to sell at such a low price, my view about them changed entirely, in a positive way. To understand why their products are cheaper and better (click here). You’d be surprised to know that I am not an affiliate of CTFO.

Business Difficulty

Due to the legalisation, CBD has become a commodity, which means that there is no uniqueness about the products, and the profitability and sell-ability lies heavily on the price and quality of the commodity. Thankfully, the company is selling products at a low price, however, we still can’t ignore the fact that a high percentage of CTFO distributors fail in the business.

Cost to Join

CTFO provides one of the cheapest business opportunity in the Multi-Level Marketing industry. It is FREE to join as an affiliate, and if you want to be compensated, all you need is to subscribe to a monthly product autoship which cost $47.47. You’ll be buying the products anyway.

Overall rating : 3 / 5

Founder: Stuart Finger

The first question to ask yourself, before you join the business, is if you truly have a good experience with CTFO’s CBD Oil.

Because if you are not convinced that CBD Oils work, then how are you going to convince others, right?

Then, assuming the products worked, the next question is, do you or your upline knows how to effectively use the internet to generate a massive amount of leads?

Because, if you are only relying on your social circle, you’ll most likely be stuck in this business, and you won’t know how to progress. So, if you’d like to become successful with CTFO, I highly recommend that you learn from this program on how to attract an endless stream of leads.

Alternatively, if you think the CTFO business is not suitable for you. And, you are still looking for ways to earn money from home, then I’ll suggest that you check out this program. It is the program that allowed me to quit my full-time job and still earn a full-time income from home.

What is Changing The Future Outcome?

Changing The Future Outcome (CTFO) is a multi-level marketing company founded by Stuart Finger in 2015, with his brother Steve Finger serving as CEO and Michael Kahn as COO.

It is no coincidence that there are 2 companies with the same acronym “CTFO”.

You already know what this CTFO stands for, the other is called Chew The Fat Off, which is also another company founded by Stuart Finger.

Chew The Fat Off is primarily focused on selling weight loss products while Changing The Future Outcome sells CBD related products.

Stuart Finger has a long track record in the MLM industry that goes back to 1996.

He was also the founder of another MLM company called GBG. Since the closing of CBG, it seems that his entire GBG team is now with him in this Changing The Future Outcome.

And while CTFO is now trying to be a full pledge CBD MLM company, it still sells its original Chew The Fat Off weight loss products.

4 Critical Things You Need to Know About CTFO

#1 Price of CTFO’s CBD Oil Vs. Other CBD MLMs

Like I’ve mentioned above, CTFO is not the only famous CBD MLM Company on the market. There are many other similar companies like:

So, when it comes to CBD oil price, where do CTFO stand?

Interestingly, in a price list by, an authority website in the CBD market, CTFO products are nowhere to be found.

Now, comparing the price of CTFO’s CBD Oil (image below) against the product price list above.

We can say that CTFO is selling some of the cheapest CBD Oil compared to its peers.

#2 CTFO’s CBD Oil Quality

Other than the price, you need to pay close attention to the quality and purity of the CBD oil.

It becomes a norm to ask for a Certificate of Analysis (COA) for the CBD Oil, because with a a lab test certification, you’ll be able to determine what is really in the product rather than relying on the product label.

In the COA, it will tell you if the product is free from toxins, pesticides, and mold, and if it contains lesser than 0.3% THC.

And, it will also tell you if the purity of the CBD oil matches what is written on the product label.

CTFO CBD vs. HempWorx CBD

There’s been a rising trend of people comparing the products of HempWorx and CTFO, so let’s put them in the spotlight.

Both the CBD oils of HempWorx and CTFO are lab tested by third-party laboratories, but I’ve found something interesting about these third-party lab results.

This video puts you into perspective that lab test results can be bought, and it is good that you know what you are getting into.

But don’t get me wrong, I’m not saying that CTFO nor HempWorx falsify their lab test results.

I am just sharing with you that there is such a thing happening in the CBD industry.

Now, speaking of third-party tie-up laboratories.

HempWorx’s products are tested by “Proverde Laboratories,” while CTFO has tested their products with several laboratories.

However, HempWorx is a certified member of the US Hemp Authority while CTFO is not.

CTFO products were first lab tested by “Precision Analytic Testing LLC,” a new CBD Analytic Testing Lab set up by NutraFuels, Inc.

But a top distributor who happened to read this CTFO review informed me that the company no longer uses Precision Analytic Testing LLC for lab testing.

So now, CTFO tested their products with 2 third-Party laboratories which are both ISO Accredited, EVIO Labs (ISO Accreditation # 97164), and Green Scientific Labs (ISO Accreditation # 17025).

With multiple lab test results, one can confidently buy a CBD Oil from CTFO and know that it is good quality, even though they are not a certified member of the US Hemp Authority.

#3 CBD Extraction Method

The surest method to extract the purest and most potent CBD from the plant is the Supercritical CO2 extraction method.

Most top brands in the CBD Industry are using this method, including CTFO.

CBD derives from the Cannabis or hemp plant, and the plant contains over 400 chemical entities, THC included (the compound that gets you high), so CBD extractions are very delicate.

But the Supercritical CO2 extraction method is expensive due to the equipment used. Hence, an equipment cost is usually added to the price of the CBD products.

However, CTFO found a way to use this sophisticated extraction method while keeping the prices of their CBD products at minimum.

#4 Why CTFO CBD Products Are Cheaper

Here’s the exciting thing that sets CTFO apart.

I found that the reason CTFO products are marketed at such low prices is that the management team (Stuart Finder and others) do not draw executive compensation (salary) from the company.

They based their salary much like any other CTFO distributors – by the number of products they sell and the size of their sales team, which is a commendable thing!

You see in most MLM companies.

The people at the top (the founders and the management team) will usually draw a salary from the company, even without making any sales themselves.

No wonder CBD products from other MLM companies have to be sold at a premium price.

And even if you compare the price of CTFO’s CBD oils against other competitors which are not MLM companies, CTFO still sits among the cheapest in the market.

IMPORTANT: I am not an advocate or an associate of CTFO. I am just sharing the information that I’ve gathered, and I hope that it can help you make the right decision.

Now, if you are interested in the CTFO business opportunity, here’s what you need to know.

Changing The Future Outcome Compensation Plan

Like HempWorx, Zilis, or Kannaway, you can make money as a CTFO distributor by selling the products and building a sales team.

There are 4 ways you can earn from CTFO.

Retails Commissions

Changing the Future Outcome pays a 20% commission on all retail orders. You will be given an online storefront, through which you can sell and promote CTFO products to earn retail commissions.

The Changing The Future Outcome MLM compensation plan also includes Unilevel, Regenerating Matrix Pay and Infinity Bonus Pay.


This compensation pays up to 5 levels, and it is somewhat unique in the sense that there is no limit to the number of your 1st level recruits.

Anyone you enroll in the company becomes your first level of downlines, and you will get 20% on all their sales.

Anyone else who joins your team not recruited by you down to the 5th level, you will earn 4% in commissions.

Regenerating Matrix Pay

This is a two-part system, so make sure you won’t miss anything.

The first part of this compensation plan is paid via a 3×21 matrix. You are only allowed a maximum of 3 personally enrolled recruits on your first level.

Each person under you will also only have 3 people under them (so 9 in your 2nd level, 27 in your third level) down to 21 levels.

You will earn 1% commissions from levels 1-5, 10% on level 6 and 7, and another 1% from the 8th to the 21st level recruits. This is on top of the Unilevel commissions you are earning.

The second part of this compensation plan (refer to the right of the above image), you’ll have to personally enroll five people to qualify for all levels of commission in the Regenerating Matrix Pay.

  • If you refer one person only, you’ll earn a 25% of the commission from the 1st to 7th level.
  • If you refer two people, you’ll earn a 50% of the commission from the 1st to 7th level.
  • Three personally enrolled people will earn you a 100% of the commission from the 1st to 7th level.
  • Four personally enrolled people will unlock the 8th to 14th level commission.
  • And, five personally enrolled people will unlock the full 21 levels of commission.
CTFO Profit-Sharing

The Regenerating Matrix Pay comes with one extra feature, Profit-Sharing Positions.

If you’ve personally enrolled four people and above, those recruits will be placed directly under you (on your 1st level), which expands your potential earnings tremendously.

Infinity Bonus Pay

This is for the higher ranking CTFO distributors. As you continuously build your business, you will unlock different ranks that will determine your earning potential with the Infinity Bonus Pay.

On top of all your earnings with the Unilevel and Regenerating Matrix pay, you can additionally earn up to 19% commissions for the sales of your team up to infinity levels!

You can verify the information I’ve just shared on this updated CTFO review by watching the latest video (2019) below by Michael Kahn, COO of the company.

Cost To Join CTFO

It is free to become a CTFO affiliate or retailer.

But if you want to participate in the MLM compensation plan, you will have to subscribe to a monthly product autoship that costs $47.47.

If you don’t want to pay a monthly fee, you can still participate in the MLM compensation plan by enrolling and maintaining at least ten people in your team who will subscribe to the $47.47 autoship.

Now, this looks like a really good deal, right?

Well, before you go and join CTFO, let me tell you that more than 95% of all the people who join this business does not make money.

Read the next part of this CTFO review to find out why.

Why More Than 95% Of People Don’t Make Money With CTFO

Okay, to be fair, this is not on Changing The Future Outcome alone. This statistics is real across the entire MLM industry.

I have been with different MLM companies before too, and based on my experiences, these are the most common reasons why most people fail in this kind of business.

#1 Lack Of Leads

No matter how good your product is or how promising the business opportunity, it all boils down to how many people you can share it with.

I know you probably have made a list of people that are most likely candidates to join CTFO or buy your products.

But what happens once you’ve exhausted that list?

Most of the people I see who quit MLM like CTFO are the ones who have no idea how to get a steady source of leads (prospects) for their business.

#2 Lack Of Guidance And Support

Most people who join CTFO are not adept at selling products or talking to other people.

It is essential that before you join CTFO, see to it that your sponsor is capable of taking care of new distributors.

I am not saying that you will need to rely on your sponsor all the time.

But, you’ll be relying on the training provided by your sponsor.

If your sponsor is just like you, another new distributor who knows nothing about training and grooming new distributors, and still uses the traditional methods to find prospects.

You’ll end up being stuck and you’ll most likely quit.

#3 Wrong Mindset

If you want to join CTFO because you think (or led to believe) that this is where you can make easy money, you are mistaken.

Yes, you can make money with CTFO, but it will take time, hard work, patience, and skills. This is not a Get-Rich-Quick program, and nothing is.

#4 Lack Of Skills

Speaking of skills, if you hope to make a living and realize your dream life with Changing The Future Outcome, you must master the skills of selling, recruitment, and managing a team of sales reps.

Get another look at CTFO’s compensation plan.

It is no mystery that for you to make a lot of money, you will need to sell tons of products with the help of a large sales team.

You cannot hope to succeed alone.

Should You Join As CTFO Distributor?

I’ll be honest with you. Even if you think that CTFO products are super beneficial for everyone and the compensation plan looks solid, not everyone will feel the same.

No matter if the products are extraordinary and affordable, you’ll be surprised that most people will still say “NO.”

That’s unless the person has a severe medical condition that no medicine can cure, then they will resort to trying every possible solution.

People don’t like to be sold” and “People hate to change.

To get people to buy CBD oil, it is either they will buy it at their own will because they need the products, or the salesperson is just so convincing that they have to buy it.

Which leads me to these questions:

  • Do you want to be a salesperson?
  • Do you have any good experience with CTFO CBD products, and do you believe it can help other people too?

The CTFO business opportunity will work best for people who have good experience with its products and those who can confidently educate their customers about them to make regular sales.

So, if selling, recruiting, persuasion, and managing a team is not your cup of tea, and you are still looking for ways to earn money.

Then, I recommend that you check out this program.

It is the program that allowed me to quit my full-time job and still earn a full-time passive income from home.


If you are confident that Changing The Future Outcome is the business for you, then I would suggest that you to learn more about Attraction Marketing because it can help you remove the problem of not having enough leads.

Thank you for taking the time to read this CTFO review. I hope that I’ve provided you with the information you need.

If you think this is useful, please, share it because others might need this information.

And, if you’d like to discuss more about CTFO, feel free to leave a comment below.

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