Is CTFO A Scam – CTFO Review

The legalization of medical marijuana has given birth to a new industry with explosive growths and opportunities.

I am talking about CBD oil businesses. This industry is projected to reach $22 Billion by 2022.

Changing The Future Outcome (CTFO) has gained big attention by adopting the mlm business model to promote and sell Cannabidiol (CBD) products.

Many people have called CTFO a scam or a pyramid scheme because this is an mlm opportunity.

In our previous discussion,  MLM vs Affiliate Marketing, we have learned the difference between a legit mlm and a scam, the so-called pyramid scheme. We know that not all mlms are a scam or a pyramid scheme.

But, is CTFO a scam?

If you are interested in joining this mlm opportunity, you should read this CTFO review to avoid becoming a victim of an mlm scam.

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CTFO Review Summary

Business Opportunity:
Multilevel-Marketing (MLM)

Initial Investments:
$0 and $47.47 every 31 days

Business Earnings Estimate: 
Average income less than $100 per year.

CTFO Review and Analysis:

  • CTFO is an mlm company that promotes and sells CBD products. The company also offers people an opportunity to make money from home by becoming a CBD products distributor.
  • CTFO was launched in 2015 by Stuart Finger to distribute health and wellness products. However, the business did not do well.
  • At the start of 2018, the company changed its products line to promote and sell CBD products.
  • I consider CTFO as a startup mlm. Because at the time of writing this CTFO review, the company estimated annual sales revenue is $3 million. This is a high risk investment.
  • The company claims to provide a FREE business opportunity. However, to make money you have to meet several difficult conditions. One those conditions is purchasing products from CTFO every month.
  • The company does not publish an Income Disclosure Statement. This indications that the company is trying to hide something from the public. It might be that the Associates are not making money.
  • Making money with CTFO requires a high-level of sale skills, especially with Face-To-Face recruiting.
  • This home-based business opportunity is not sutable for those with no direct selling or recruiting expereince. Recruiting others to join CTFO is the best way to make money with this mlm.


What Is CTFO?

CTFO is an mlm company founded by Stuart Finger in 2015.

CTFO was originally named “Chew The Fat Off,” which promoted health and wellness products. But, the company did not do well.

In early 2018 the founder changed the company name to “Changing The Future Outcome” and shifted the company product lines to promote and sell CBD Hemp oil products.

CTFO offers a wide variety of CBD products which divide into six categories: Vape and Oil, Hair Growth, Pain Creams, Edibles and Sprays, Pet Products, and Skin Care.

CTFO products are considered rich in CBD Hemp.

The company claims that its products are 100% US growth and processed Hemp.

CTFO products contain less than 0.3% of THC (tetrahydrocannabinol). The compound in cannabis, which makes people high.

If you want to learn more about CTFO products, you can visit the company products webpage for more information.

CTFO reported an annual sales revenue of $3 Million in 2018.

The company primarily sells its products through an mlm network of Independent Associates.

However, according to CTFO, more than 64% of independent associates earned an average income of $68 a month.

To become a successful CTFO associate, you must possess strong sales skills, especially in face-to-face recruiting.

Before starting a CTFO business, it’s smart to compare with other home-based business opportunities.

You can use My #1 Business Opportunity to make a comparison.

How to Join CTFO?

There are three options to join CTFO:

  • Retail Customers are people interested in purchasing CBD products from CTFO.
  • Preferred Customers are those registered with CTFO for a free website and to purchase products at the wholesale price.
  • CTFO Associates refer to individuals that joined CTFO for the business opportunity.

This CTFO review is an analysis of the business opportunity.

Therefore, I will focus on the option to join CTFO as an associate, starting a business with CTFO.

The Process To Join CTFO

To join CTFO, you can visit the company website to sign up for a free associate account.

Upon completing the registration, you are provided with a website to promote and sell CTFO CBD Hemp products.

But, before you can earn the commission, you have to sell or recruit others to join CTFO.

The Costs to Join CTFO

Anyone can become a CTFO associate because it costs nothing to join.

It is 100% free to join the CTFO business opportunity.

However, this does not mean you will earn commissions with a free associate account.

There are other costs and requirements which an associate must meet to earn the commission with CTFO.

In this CTFO review, I’ll discuss two important costs to build your CTFO business.

1. Time Investment

If you want to make money with CTFO, you must invest time in promoting and selling the CTFO products.

You will need to invest at least 80 hours per week to build this business.

Yes, this is a full-time job, not a part-time. I have never met anyone successfully building an mlm business part-time.

2. Costs To Maintain “Active Status”

CTFO associates are required to place an order of $47.47 every 31 days to remain active.

I refer to this requirement as, “Pay and Play!” If you want to earn, you have to pay.

So, the real investments to launch a CTFO CBD business is not ZERO.

The cost is $47.47 per month and your times. These are the biggest expenses to operate your CTFO business.

The monthly minimum order can destroy your chance of making a profit. Because if you cannot sell the products, they become business losses.

With other home-based businesses, like affiliate marketing, you earn a commission on every sale.

Do you know why CTFO has a $47.47 monthly order requirement?

  • First to sell products, and
  • Second to meet the FTC guideline as a legit mlm business.

Without product sales, CTFO is a scam or a pyramid scheme.

CTFO Compensation Plan

The #1 reason that you want to join CTFO is to make money.

According to the CTFO compensation plan, associates have four ways to make money with the company.

However, this is just a marketing hype. As an mlm opportunity, CTFO offers you two ways to earn, sale products and recruiting others to join CTFO.

I’ll provide a quick overview of the CTFO compensation plan. If you want to know in detail, you can download a copy.

Make Money Selling CTFO Products

There are two avenues to make money under this option. Associates can buy products at a wholesale price and resell for a profit, or they can refer customers to buy fro their own replicated CTFO website.

A CTFO associate can earn up to 30% retail profit on each sale.

It sounds simple, right?

Well, I did a quick search online and find a bottle of 500 mg CBD Hemp Oil drops for $12.43.

The same item on CTFO website with a wholesale price of $59.97 and a suggested retail of $80.97

CTFO review cbd oils

Can you sell CTFO CBD products on the market at the suggested retail price?

It will be a challenge for CTFO associates to make money selling products.

Make Money Recruiting Others

There are several ways for a CTFO Associate to make money with recruiting.

But, the Associates must be Active and Qualified.

An Active and Qualified Associate must meet one of the two following conditions:

  • Order a minimum of $47.47 each month and personally recruit 5 active associates, or
  • Personally enrolled 10 active associates.

Here’s how this work:

You place your monthly order of $47.47. Let say 4 of your personal recruits placed orders for a total of $10,000. You receive no commission because you did not have 5 active associates.

This means a CTFO associate can potentially earn nothing even having big sales.

Here’s what you can earn if you are considered active and qualified.

  • Up to 20% of Commissionable Volume (CV) on all personal referrals and sales.
  • A 4% override commission on the total CV of any product purchased by anyone from the 2nd level to the 5th level.

CTFO has a unique commission, which they call the 3x Matrix Commissions. This Matrix is made up of 21 levels.

Every Associate and Preferred Customer is assigned a position in the CTFO Matrix.

Each position has 3 positions directly beneath it. This means:

  • You’re on the 1st Matrix Level, you have 3 positions under you
  • The 2nd Matrix Level has 9 positions under you (3×3)
  • The 3rd Matrix Level has 27 positions (9×3)
  • The 4th Matrix Level has 81 positions (27×3)
  • This goes all the way up to 21 levels.

The CTFO Associates earn the following CV commissions under this Matrix:

  • 1% total CV commissions from matrix levels 1-5
  • 10% total CV commissions from matrix levels 6 and 7
  • 1% total CV commissions from matrix levels 8-21

Matrix commissions can potentially become a lucrative income if you are able to build a big organization and remain active and qualified.

It is very difficult to fully understand the CTFO compensation plan. However, you don’t need to because the compensation plan only tells you, “How to make money with CTFO.”

Can You Make Money With CTFO?

CTFO promotes itself as an mlm that is free to join with no monthly sale quota.

As we have discussed above, this is not true.

The first thing we notice is that an associate will not make money by registering for a free account.

Yes, CTFO associates are not required to purchase products, but to receive the commission, all associates must be active and qualified.

Under the CTFO compensation plan, the minimum requirement to qualify for the commission is 5 direct active downlines with each person placing an order of $47.47 every month.

What happens if you have 2 big sales, total $10,000, from 2 of your personal recruits?

You make no money with CTFO because you fail to meet the 5 active associate requirements, even if you have placed the $47.47 personal order.

Under the monthly sale quota, you receive commissions as long as your total team sales volume meets the requirement, even if only 1 recruit generated all the sales.

CTFO is not easy to make money compared to other mlms.

CTFO uses ‘free registration and no monthly sale quota’ marketing gimmick to trick people into joining the company.

The truth is, this mlm business opportunity is not free, and it’s not easy to make money with CTFO.

Is CTFO A Scam?

I understand the majority of Associates do not make money, but this doesn’t make CTFO a scam.

CTFO is an mlm business opportunity. It is your responsibility to research, study, and investigate the CTFO business profits before investing.

Reading this CTFO Review is a good way to learn the risks and rewards of becoming a CTFO associate.

When you become a CTFO Associate, you are willing to accept the chance that you might not make money.

When your business failed, you cannot call CTFO a scam.

Business failure is a risk associated with every startup.

Many entrepreneurs hire a professional financial analyst to evaluate a business opportunity before investing.

As a reviewer of MLM Opportunities, I have evaluated hundreds of mlm businesses assisting people in finding the right investment opportunity and avoid scam.

As a business opportunity, CTFO is not a scam. But, it is not easy to make money.

Is CTFO a pyramid scheme?

CTFO might appear to be a legit mlm company under the FTC guideline. But I evaluate an mlm opportunity based the financial information.

When we look at the CTFO compensation plan, we notice that Associates are required to personally enroll at least 5 active downlines to earn commissions. We also notice under the 3x Matrix the more people you recruit into your team, the more money you make.

CTFO Associates are earning money based on their recruiting active, not selling CBD products.

Based on the financial information above, I believe CTFO is a pyramid scheme.

Well, you don’t have to agree with me.

But you cannot deny that the way to make money with CTFO is recruiting others to join the program. Because the CTFO compensation plan was designed to convert Associates into customers by requiring them to maintain a minimum monthly order of $47.47.

Is CTFO Worth It?

If you decide to start a business with CTFO, you must accept the chance of earning no money, even if your team is doing well.

I will never invest in a business opportunity unless I can make money, or the opportunity is profitable.

After completing this CTFO review, I must tell you that this mlm opportunity is not worth it for me.

Ask yourself this question,

Do you know why you want to start a home-based business?

To earn extra money from home, to be your own boss, or to achieve financial freedom?

And to make money, we invest in a PROFITABLE business!

There are much better and less risky home-based business opportunities.

If you want to be an owner of a lucrative and profitable business that generates six-figure passive income, then read my #1 recommended online business opportunity.

You should use the writing skill to start your own highly lucrative online writing business, TODAY!

There’s NO traveling around town to attend late-night meetings and NO face-to-face sales or recruits with my online business.

The best part, you are working on the computer in your own home or anywhere you like.

CTFO is a start-up mlm company. A major business risk associated with a start-up is the company goes out of business.

What happens if CTFO goes out of business?

Every CTFO Associate is out of business. There is nothing they can do about it.

When you become a CTFO Associate, you should know that you are not the owner of your own business. You are in business as long as CTFO allows you!

Don’t you want to start your own business?

There’s a lucrative method that I and millions of people have been using to generate six-figure passive income online.

You must read my #1 recommended online business opportunity.

Can you write?

If your answer is “YES”, then why not use this skill to start your own highly lucrative online writing business, TODAY!

CTFO sounds exciting as an mlm CBD opportunity.

However, I hope this CTFO Review gives you a better understanding of the risks and rewards of this business.

Remember, your chance of achieving financial success depends on your ability to find a profitable business.

Do you think CTFOmlm is profitable?

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