CTFO Review – Scam or Legit MLM? Exposed!

Changing The Future Outcome (CTFO) is a health and wellness company. CBD Oil is their signature product. It is not a pyramid scheme, and it is one of the legit MLM companies.

There is a good chance that you heard about CTFO through someone – a friend or family member.

Many people these days are looking for additional income, and you are most likely one of them. There was then an opportunity to work from home by joining CTFO as one of their independent distributors.

However, as I’ll discuss in this review, there are some reasons why success with CTFO is unlikely. Experienced salespeople and well-funded recruiters are the only ones I can think of to have real success with this MLM program.

As a disclaimer, I’m not affiliated with CTFO. It means I’m not paid to write this review. So you can rest assured that you will get an honest and unbiased review from me.

At the end of this review, I’ll also tell you the best alternative to the CTFO MLM program that has enabled me to make a full-time passive income online.

Changing The Future Outcome (CTFO) Key Takeaways

  • Company Name: Changing The Future Outcome (CTFO)
  • Founders: Stuart & Steve Finger and Michael Khan in 2015
  • Type of Business: Multi-Level Marketing
  • Products: CBD Oil
  • Price: $19.95 monthly (premium membership)
  • Suitable For: Recruiters and sellers who appreciate the MLM business concept.

What Is Changing The Future Outcome (CTFO)?

In 2015, brothers Stuart and Steve Finger, along with Michael Khan, founded a network marketing company called CTFO (MyCTFO.com), which provides a business opportunity in the CBD and hemp oil industry. The company is headquartered in London, England.

As the company’s focus shifted from fat loss to CBD hemp oil products, the acronym CTFO caught on as a marketing tool.

Their CBD is extracted with carbon dioxide. The company claims to use only the finest organic ingredients, none of which have been heated, and to produce a product that is both non-GMO and pesticide-free. They have also not been tested on animals.

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Changing The Future Outcome (CTFO) Product Line

CTFO offers the following products:

  • Health – CBD oil, healing cream ($34.97-$210.97)
  • Anti-aging – Sun cream, hair growth shampoo/ conditioner, CBD anti-aging serum, massage oil, mud mask, bath bombs etc. ($14.97-$80.97)
  • Nutrition – protein shake, CBD gummies, pain relief oil etc. ($24.97-$85.97)
  • Pets – hemp chews, CBD spray etc. ($24.97-$71.97)

This means that there is a lot of choice and you should be able to sell something to almost anyone.

The CBD multi-level marketing industry is already highly competitive. Numerous companies compete in the same market by offering virtually identical products.

  • HealX Nutrition
  • My Daily Choice
  • Touchstone Essentials
  • Emris International
  • Bocannaco
  • Hempworx
  • Kannaway
  • Zilis
  • hempSMART

With so many competitors offering essentially the same thing, sales of these items are bound to suffer.

However, CTFO hopes to stand out from the crowd with its flagship product.

CTFO Products

CTFO CBD Oil Review

To be successful as a CTFO employee, you must master this section.

First, you need to understand the motivations behind the market for CBD oil.

Because it is derived from the cannabis plant, its legal status is still unclear in some regions.

Contrary to popular belief, only a tiny fraction of one percent of cannabis contains tetrahydrocannabinol (THC), the psychoactive component of the plant. In contrast, the THC content of marijuana is around 20%.

Several studies have shown that CBD oil is helpful in treating a variety of medical conditions, including:

  • Acne
  • ADHD
  • Anxiety
  • Cancer
  • Chronic pain
  • Depression
  • Drug use and withdrawal
  • Epilepsy
  • Glaucoma
  • High blood pressure
  • Insomnia
  • Muscle spasms
  • Parkinson’s disease
  • Poor appetite
  • Skin conditions like eczema and psoriasis

However, clinical studies have revealed that CBD oil can have negative side effects. The specific side effects and their severity vary from person to person and from CBD type to CBD type.


CTFO is a legit MLM (multi-level marketing) company. Companies that engage in multilevel marketing are also sometimes referred to as network or direct sales businesses.

As a multi-level marketing firm, CTFO won’t provide its sales associates with a regular salary. After joining CTFO’s MLM program and becoming one of the members, you’ll run your own business as an independent distributor of CTFO products.

However, it is unlikely that you can make a good income selling their products. As in the case of most MLM programs, your business relies on recruiting new members to work under you. You will earn a commission on the sales and new recruits generated by the people you hire once they begin producing results.

This is complex on a number of levels (hence multi-level).

Let’s imagine a triangle. Because everyone in the triangle is in your direct downline (in an MLM, the people beneath you are known as your “downline,” and you are their “upline”), you will earn commissions from everyone in the triangle if the person at the top recruits ten people, and each of these ten recruits ten more.

If you can bring in just 10 people, you’ll make $1100.

Most people in your MLM would rather earn a lifetime passive income from recruiting others than a one-time commission from selling products, even if your MLM offers a wide range of products.

Due to the way the money flows, those at the top of the triangle have the most financial success, while those at the base have the least.

Having a large number of people in one’s “downline” is essential for success in a multi-level marketing company like CTFO.

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How Does CTFO MLM Work?

CTFO sells a variety of CTFO health and wellness products made from industrial hemp farms.

CTFO provides members with a business opportunity to sell products and recruit people while working from home.

Through this multi-level marketing strategy, the company saves money on advertising and salary costs associated with maintaining a network of brick-and-mortar stores.

Is CTFO A Pyramid Scheme?

CTFO is not a pyramid scheme. It is a legit MLM company that allows members to make money by selling their products. As a member of CTFO, you don’t have to make money solely through recruitment.

In contrast, a pyramid scheme recruits members by promising them money or services in return for recruiting others. It is unsustainable and often a scam because members at the bottom end are doomed to lose money.

Those who want to join must pay a membership fee to the company that runs the pyramid scheme. The company would share a portion of the funds raised from each additional member they recruit as a reward.

CTFO distributors, on the contrary, are not paid to recruit new members. There is no direct financial incentives. 

A pyramid scheme is profitable only for the directors of the company, i.e., those at the top of the pyramid, since they can receive a portion of the payments from every newly recruited member. The scheme continues as long as members recruit and funnel money to the top of the pyramid.

Such companies almost never sell valuable goods or services. The scam’s only source of revenue is from recruiting new members and soliciting more money from current members.

A pyramid scheme would have to grow infinitely to make money for everyone who participates. This is impossible due to the finite population of the planet.

The scam will fail if there are no new recruits and other sources of income. Since the majority of members are at the lowest level of the pyramid, most of them will lose their money.

A good example of pyramid schemes is Vemma, a producer of energy and weight loss drinks. The FTC accused Vemma of operating a pyramid scheme in August 2015 that paid more to recruit new members than to sell products.

New members, who were typically college students and other young people promised high compensation, were required to pay $600 for starter packages and hundreds more for monthly products. According to the FTC, the majority of participants lost money.

Can You Make Money With CTFO?

CTFO associates can earn money in two ways:

  • Make 30% on every sale by selling their products.
  • Recruiting new employees and earning commissions from their sales.

There is no direct compensation for recruiting new members to this group. To earn commissions, the sales of your downline (your new members) must be higher than your own.

It means that your salary depends on other people’s efforts, and I am not willing to entrust my financial future to others.

The monthly fee of $47.47 makes it clear that the more employees you have, the more money you will make in terms of wages and bonuses.

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CTFO Compensation Plan

That’s quite a complicated compensation plan – 13 pages of math!

As a reminder, here are a few key points from my CTFO assessment that describe the compensation plan:

You will only be paid in the following ways under the compensation plan:

  • Retail income – 30% commission.
  • Uni-Level commissions are incentives for downline sales (5 levels deep – 20% or 4% depending on downline position).
  • Matrix commissions – additional bonuses from downline employee sales (1% bonus 21 levels deep).
  • Profit Sharing Positions in the Matrix (PSP’s) – only three people below you in the matrix.

With the Infinity Bonus and Top Gun Bonus Pool, you’ll receive more bonuses from your downline.

How Much Does It Cost To Join CTFO?

First of all, it seems to be completely free… However, you’ll have to make some purchases before you can put them up for sale.

In this case, they’d like you to buy a “Business Builder Pack” when you sign up. Is it worth it to you to spend money on a trial run? If you want to “test” the newest product every month, you can expect your membership fees to quickly add up.

It costs between $299.97 and $1,299.97 and includes a variety of products for you to try or sell.

CTFO Monthly Cost

The expenses don’t stop there!

It actually costs you at least $47.47 per month in product costs. Once you’ve hired ten new employees, you won’t have to pay for this any longer.

In reality, the total cost for one year is:


$47.47 x 12

Total annual cost = $869.61 – $1,869.91

While this is far less than the cost of starting a traditional brick-and-mortar business, becoming a CTFO associate is not free.

CTFO MLM Pros and Cons


  • CTFO product has received some positive reviews. Nevertheless, independent review websites such as BBB or Consumer reports did not provide any depth or detail in their reviews.
  • CTFO is a famous brand.
  • CBD oil is popular.


  • CTFO products are expensive.
  • There is a monthly sales quota.
  • No income disclosure.  
  • It uses the MLM business model.

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9 Reasons Why I Don’t Recommend CTFO MLM Program

1. Very Few People Can Make Money With CTFO

Success is difficult to achieve with an MLM company like CTFO.

You can look at the statistic that says 72.5 percent to 99.9 percent of MLM members lose money.

The reason for this is that MLMs have sales quotas that require members to continue selling products in order to remain active and eligible for commissions.

They will not be paid if they do not meet the quota.

As a result, many MLM members lose a significant amount of money before even recruiting one person into the company.

2. Losses From CTFO MLM Are Reframed As Investments

CTFO MLM uplines often reframe their financial losses as ‘investments’ in their business so as to keep their reps in an MLM scheme, dangling the carrot of future financial freedom. 

But the reality is that these are not investments. You are unlikely to get the money back. And the return on “investment” is negative in most cases. So saying that it’s an investment is cheating.

3. CTFO MLM is a Cult

Why do people continue to work for CTFO if it appears to be so bad? Our investigation of MLMs revealed that they all have cult-like company cultures.

Critical thinking is actively discouraged among MLM representatives. They are chastised and even isolated when they ask questions that deviate from the ‘this company is a-mazing’ mindset.

MLMs, like abusive partners, encourage you to isolate yourself from anyone who questions your involvement.

Those who leave an MLM are labeled as failures or bad people/influences, and reps are not allowed to contact them.

Rejection from people they once considered practically family is one of the most devastating losses experienced by former MLM representatives.

MLMs frequently expect their representatives to prioritize their events and business over their personal lives in order to further embed them in the business while separating them from their family and friends.

4. You May Need to Purchase CTFO Products Yourself

If you don’t have a large network of friends, family, neighbors, and so on, you may have to buy products yourself each month. It’s a losing proposition all around.

I think it’s quite ridiculous when you have to buy the products you are trying to sell. But this is very common for people who join MLMs like CTFO. That’s why in the long term, you are going to lose a lot of money, not to mention making money.

5. CTFO Products are Overpriced

As with other MLMs, CTFO offers overpriced products. There are many other brands that offer similar products but at lower prices.

Therefore, you may find it difficult to sell CTFO products because your prospects can buy the same product elsewhere at a much cheaper price. This explains why most people who join MLMs only focus on recruitment instead of selling actual products.

6. CTFO’s MLM Business Model Has a Bad Reputation

Some people have benefited financially by joining a network marketing/MLM company. Unfortunately, most people who join MLMs are left with nothing but regret and a lot of useless products that they were unable to sell.

MLM like CTFO is fundamentally flawed. The distribution of commissions is skewed toward the top.

The majority of those in the top tier and pioneers make the most money, while those at the bottom will not even break even after a few months.

As a result, many people do not consider CTFO to be a legitimate business opportunity.

7. Exaggerated Claims Of Income

CTFO, like any other MLM company, makes exaggerated income claims, but in reality, very few people make a good living by promoting CTFO.

CTFO’s low retention rate can also be discouraging, as less than 41% of its distributors are active.

According to CTFO’s payouts to distributors, over 99 percent of CTFO distributors never make a profit.

8. CTFO Is Like A Pyramid Scheme In Disguise

If you want to avoid losing money every month, the MLM will actually encourage you to recruit people.

Every system that requires you to recruit people in order to make money eventually looks like this.

CTFO is not a pyramid scheme in the traditional sense because you can earn money by selling their products.

However, in order to make a living, you will need to hire others in reality.

9. Recruiting is Required to Succeed

I don’t recommend MLMs to people for this reason. MLMs like CTFO put a lot of effort into recruiting. Eight out of ten ways to earn money with CTFO require recruiting. If you don’t recruit, you are destined to lose money at the end of the day.

My #1 recommended platform is different. You can make a 4-figure, 5-figure, or even 6-figure passive income by promoting and selling products you truly like. You don’t have to recruit people but recommend useful and great products. I will tell you more at the end of this CTFO review.

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Is CTFO A Scam Or Legit?

CTFO is not a scam. It is a legit MLM company. A scam is defined as “a dishonest scheme; a fraud” by the Oxford Living Dictionary. 

Can you make money selling CTFO products? We already know that a majority of CTFO reps did not earn any money. A few people do make money but only if you put in a lot of effort. And usually, the way they make a lot of money from CTFO is by recruiting aggressively.

Also, CTFO blatantly makes disingenuous and irresponsible marketing claims to recruit members. Therefore, some people do consider CTFO MLM a scam.

My #1 recommended platform, however, has seen a lot of beginners earn four figures a month after joining it for a year.

CTFO Review: Final Verdict

Here comes the conclusion of my CTFO review. Overall, I don’t recommend joining the CTFO MLM program to make money.

You will have a tough time in the beginning when you are prospecting and trying to find recruiters to add to your CTFO commission.

The worst part is that you practically have to ask your family and friends to join your CTFO business opportunity. It’s not fun.

Your upline is constantly following up with you to encourage you to buy more Business Support Materials even as you struggle to get people to join your downline.

The reality is that you’re likely to lose more money. Statistics confirm this as well. 99% of people who join an MLM break even or lose money, according to a case study on the FTC’s website.

People who join these MLM-type businesses often feel under pressure to succeed, and that is one of the main reasons they leave. 

Why not consider starting your own online business if you want to earn money and have a flexible schedule? 

Thus, you can choose what you want to promote rather than having someone tell you what you must promote.

Let me tell you how to build an online business in a legit way to make passive income online in the next section. This has allowed me to make a full-time income in a year. Most importantly, unlike MLM models, It’s 100% legit and sustainable.

Best Alternative To CTFO MLM Program

If you’re beginning your online business journey, you deserve a program much better than the CTFO MLM program.

My #1 recommended platform is called Wealthy Affiliate.

Wealthy Affiliate is an all-in-one platform for building your affiliate marketing business from scratch.

When you join Wealthy Affiliate, you can get access to the first-class web hosting service, keyword research tools, community support, comprehensive training, writing tools, and other software to help you build an online business step-by-step.

You can register a free account with Wealthy Affiliate, which enables you to get started with affiliate marketing right away without paying a penny.

If you like the platform, you can then upgrade to the premium membership to get access to everything on the platform. There are no upsells afterwards.

But How Much Can You Earn with Wealthy Affiliate?

A 21-year old student from Wealthy Affiliate was able to earn $7,395 in just 1 week, which means he made more than $1k a day…all while applying what is taught inside Wealthy Affiliate.

Wealthy Affiliate Testimonial

Compared with Authority Hacker, Wealthy Affiliate has a much longer history, which has been established for 15 years and there are many success stories in the past decade. Actually, Wealthy Affiliate has more than a million members so far, so you can see how popular this platform is.

To give you more examples, here are some of the other inspiring success stories of Wealthy Affiliate members.

Where to Join Wealthy Affiliate?

Wealthy Affiliate has a very simple pricing scheme. It has a free and premium membership. The premium membership only costs $49/month or $395/year.

If you want to feel about Wealthy Affiliate, you can sign up for the free starter membership here (no credit card required). You can select to be a free member with no time limit.

And as a starter member, you can get instant access to the community, live chat, over 500 training modules, 2 classrooms, networking, commenting, 1 free website, access to the keyword tool.

You can enjoy all these values without paying a penny.

So I strongly recommend you to register a free account and see it yourself.

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