Is CTFO a Pyramid Scheme or MLM? [Review]

If you’re looking for health and wellness products, you may have heard of Changing The Future Outcome (CTFO). They’re a MLM company, and their signature product is CBD oil. Perhaps a friend or family member recommended it to you.

But what about joining CTFO as an independent distributor? Can you make a decent income from home? Well, as an unbiased reviewer, I’ll tell you the truth. While some experienced salespeople and well-funded recruiters have had success with CTFO, it’s unlikely that you’ll see the same results.

As an online entrepreneur, I have reviewed many similar online opportunities over the years. So I can tell you what you need to know.

Don’t get me wrong; I’m not affiliated with CTFO and not here to bash them. I’m just giving you my honest opinion. And if you’re looking for a passive income online, I’ll even suggest an alternative that’s worked for me.

So, sit tight and let’s get into the nitty-gritty of CTFO.

What Is Changing The Future Outcome (CTFO)?

If you’re looking for a business opportunity in the CBD and hemp oil industry, you might want to check out CTFO. Founded by brothers Stuart and Steve Finger and Michael Khan back in 2015, this network marketing company is taking the market by storm with their high-quality products and innovative marketing strategy. And the best part? You can be a part of it too!

Based in London, CTFO started out focusing on fat loss products, but eventually shifted their attention to CBD hemp oil. That’s when the acronym CTFO (which stands for “Changing The Future Outcome”) really caught on as a marketing tool.

One of the things that sets CTFO apart from other CBD companies is their commitment to using only the finest organic ingredients. They extract their CBD with carbon dioxide and ensure that none of their ingredients have been heated. They also claim that their products are non-GMO and pesticide-free, and they’ve never been tested on animals.

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Yes, CTFO is an MLM (multi-level marketing) company. However, before you get too excited about the prospect of making big bucks, there are a few things you should know.

Firstly, CTFO won’t provide you with a regular salary. As an independent distributor of CTFO products, you’ll be running your own business. So, if you’re looking for a stable income, this might not be the best fit for you.

Secondly, while CTFO offers a wide range of products, it’s unlikely that you can make a substantial income just by selling them. Like most MLM programs, your success largely depends on recruiting new members to work under you. You’ll earn a commission on the sales and new recruits generated by the people you hire once they begin producing results.

Now, let’s get into the nitty-gritty of how this works. Imagine a triangle. In an MLM, the people beneath you are known as your “downline,” and you are their “upline.” Everyone in the triangle is in your direct downline. So, if the person at the top recruits ten people, and each of these ten recruits ten more, you’ll earn commissions from everyone in the triangle. If you can bring in just 10 people, you’ll make $1100.

It’s worth noting that most people in MLMs would rather earn a lifetime passive income from recruiting others than a one-time commission from selling products. This means that those at the top of the triangle have the most financial success, while those at the base have the least.

If you’re considering joining CTFO or any other MLM, keep in mind that having a large number of people in your downline is essential for success. It’s a complex system, but it can work for some people. Just make sure you do your research and understand what you’re getting into before taking the plunge.

You may also want to read our article on the top MLM companies.

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Is CTFO A Pyramid Scheme?

No, CTFO is not a pyramid scheme. CTFO is an MLM company that allows you to make money by selling their products, not just through recruitment.

Pyramid schemes, on the other hand, are not sustainable and are often scams. They lure members in by promising money or services in return for recruiting others. To join a pyramid scheme, you have to pay a membership fee to the company that runs it. Then, the company rewards you with a portion of the funds raised from each additional member you recruit.

But with CTFO, there are no direct financial incentives for recruiting new members. CTFO distributors are not paid to recruit, and the company focuses on selling valuable goods and services, not just recruiting more people.

In a pyramid scheme, only the directors at the top of the pyramid make money, while members at the bottom end up losing money. The scheme continues as long as members recruit and funnel money to the top, but it’s impossible for everyone to make money since the pyramid would have to grow infinitely. And, in reality, the finite population of the planet means that the scam will eventually fail.

One example of a pyramid scheme is Vemma, a producer of energy and weight loss drinks. The FTC accused Vemma of operating a pyramid scheme in 2015, which paid more to recruit new members than to sell products. New members were required to pay hundreds of dollars for starter packages and monthly products, but according to the FTC, the majority of participants lost money.

You may read our article on the difference between MLM and pyramid schemes here.

Is CTFO A Scam?

No, it’s not a scam. CTFO is a legitimate MLM company that offers various products to consumers.

According to the Oxford Living Dictionary, a scam is “a dishonest scheme; a fraud.” CTFO doesn’t fit that description. However, it’s important to note that not all CTFO reps make money. In fact, the majority don’t. But that doesn’t mean it’s impossible to make money with CTFO.

Those who put in a lot of effort can make a decent income selling CTFO products. However, it’s worth noting that many of the top earners in CTFO make their money through aggressive recruitment of new members, which some people consider disingenuous and irresponsible marketing.

While CTFO may not be a scam, it’s important to do your research before joining any MLM company. It’s crucial to consider factors like the product quality, compensation plan, and the company’s reputation.

What are the Products of CTFO?

If you’re looking for high-quality CBD products, CTFO has got you covered. They offer a wide range of products, including CBD oil, healing cream, sun cream, hair growth shampoo/conditioner, CBD anti-aging serum, massage oil, mud mask, bath bombs, and more!

Their products fall into four categories: Health, Anti-aging, Nutrition, and Pets. Depending on your needs, you can choose from a variety of products that range in price from $14.97 to $210.97. With so many options, you’re sure to find something you like.

Now, you may be wondering how CTFO stands out from its competitors. After all, the CBD multi-level marketing industry is already highly competitive, with numerous companies vying for a piece of the pie. Some of CTFO’s competitors include HealX Nutrition, My Daily Choice, Touchstone Essentials, Emris International, Bocannaco, Hempworx, Kannaway, Zilis, and hempSMART.

Despite the stiff competition, CTFO believes that its flagship product will set it apart from the rest. 

How to Make Money With CTFO?

There are two main ways you can earn money as a CTFO associate.

Firstly, you can earn a 30% commission on every sale you make by selling CTFO products. This means that the more products you sell, the more money you can make. It’s as simple as that.

Secondly, you can also earn commissions by recruiting new employees to join CTFO and selling their products. However, it’s important to note that there is no direct compensation for recruiting new members. Instead, you will earn commissions based on the sales of your downline (the members you recruited). This means that your income will depend on the efforts of others, which may not be everyone’s cup of tea.

Also, keep in mind that there is a monthly fee of $47.47 to be a CTFO associate. However, the more employees you have and the more products you sell, the more money you can make in terms of wages and bonuses.

Overall, making money with CTFO is definitely possible. It all depends on your sales skills and ability to recruit new members.

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CTFO’s Compensation Plan

So you’re interested in learning about CTFO’s compensation plan? We get it, it can seem pretty confusing at first glance – with 13 pages of math, it’s easy to feel overwhelmed. But don’t worry, we’ve got you covered. Here are the key takeaways from our assessment of the CTFO compensation plan:

First of all, it’s important to note that there are four ways to earn money with CTFO. These are:

  1. Retail income: You can earn a 30% commission on all retail sales you make.
  2. Uni-Level commissions: This is an incentive for sales made by your downline (up to 5 levels deep). Depending on your downline position, you can earn either a 20% or 4% commission.
  3. Matrix commissions: These are additional bonuses you can earn from your downline’s sales (up to 21 levels deep). You can earn a 1% bonus for each level in your downline.
  4. Profit Sharing Positions (PSPs) in the Matrix: To be eligible for a PSP, you need to have only three people below you in the matrix.

But wait, there’s more! If you qualify for the Infinity Bonus or Top Gun Bonus Pool, you can receive even more bonuses from your downline. These bonuses are a great incentive to help you grow your downline and increase your earnings.

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How Much Does It Cost To Join CTFO?

At first glance, it appears that signing up is completely free. However, there is a catch. In order to start selling products, you’ll need to make some purchases first.

When you sign up, CTFO will encourage you to buy their “Business Builder Pack.” This pack includes a variety of products that you can either try out for yourself or sell to others. But is it really worth it to spend money on a trial run? That’s up to you to decide.

If you’re someone who wants to stay on top of the latest products and test them out every month, be aware that your membership fees can add up quickly. The Business Builder Pack costs between $299.97 and $1,299.97, depending on which option you choose.

While it may seem like a lot of money upfront, the Business Builder Pack does come with a variety of products to try out or sell, which can potentially help you earn back your investment and even make a profit. Ultimately, it’s up to you to decide if the cost is worth it for your goals and needs.

CTFO Pros and Cons


  • Many customers have had a positive experience with CTFO products, which is always encouraging.
  • CTFO is a well-known brand, and many people have heard of it.
  • CBD oil is a popular product, and CTFO offers a variety of options to choose from.


  • CTFO products can be a bit pricey, so keep that in mind if you’re on a tight budget.
  • There is a monthly sales quota that you’ll need to meet if you decide to become a distributor.
  • Unfortunately, CTFO does not provide any income disclosure, so it’s hard to know what kind of earnings you could expect.
  • Lastly, CTFO uses the MLM business model, which may not be everyone’s cup of tea.

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8 Reasons Why I Don’t Recommend Joining an MLM

Making money with a multi-level marketing (MLM) company like CTFO can be challenging. Here are some reasons why:

1. Sales Quotas and Low Success Rates

Statistics show that only a small percentage of MLM members make a profit, with some estimates ranging from 72.5% to 99.9% of members losing money. This is largely due to the sales quotas that members are required to meet in order to remain active and receive commissions. Many members end up losing money before even recruiting anyone into the company.

2. Losses Framed as Investments

Some CTFO uplines may reframe their financial losses as “investments” in their business, but the reality is that these “investments” rarely yield positive returns. This can lead members to stay in the MLM scheme longer than they should, hoping for future financial freedom that may not come.

3. Cult-Like Company Culture

MLMs like CTFO have a cult-like culture that discourages critical thinking and encourages isolation from anyone who questions the company’s practices. Leaving the company can result in rejection from former colleagues who are instructed not to contact ex-reps. Additionally, MLMs often expect their representatives to prioritize business events over their personal lives, further isolating them from family and friends.

4. You May Need to Purchase CTFO Products Yourself

One of the downsides of joining CTFO is that if you don’t have a large network of friends, family, and neighbors to sell products to, you may end up having to buy products yourself each month. This can be costly and make it difficult for you to turn a profit.

5. CTFO Products are Overpriced

Another drawback of joining CTFO is that their products are overpriced. This can make it difficult for you to sell products to your prospects, as they may be able to find similar products elsewhere at a much cheaper price.

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

Some people have had success with MLMs, but unfortunately, many more people have been left with regret and unsold products. CTFO’s MLM business model is no exception. The distribution of commissions is skewed towards the top, with those in the top tier making the most money. This has led many people to view CTFO as an illegitimate business opportunity.

7. Exaggerated Claims of Income

Like many MLMs, CTFO makes exaggerated income claims that are often not reflective of reality. Few people actually make a good living by promoting CTFO, and their low retention rate can be discouraging. According to CTFO’s payouts, over 99% of their distributors never make a profit.

8. Recruiting is Required to Succeed

Finally, it’s worth noting that eight out of ten ways to earn money with CTFO require recruiting others. This means that if you don’t recruit, you’re likely to lose money.

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Final Verdict

Joining CTFO is not the best way to make money. Here’s why:

In the beginning, it can be tough to find recruiters to add to your CTFO commission. You may even have to ask your friends and family to join, which can be uncomfortable. Plus, your upline will constantly push you to buy more Business Support Materials, even if you’re struggling to get people to join your downline.

The reality is that you’re likely to lose more money than you make. In fact, statistics show that 99% of people who join MLMs break even or lose money, according to a case study on the FTC’s website. This pressure to succeed can be overwhelming, and it’s often why people leave MLM-type businesses.

If you’re looking to earn money and have a flexible schedule, why not consider starting your own online business? This way, you can choose what you want to promote, rather than having someone else dictate it to you.

In the next section, I’ll show you how to build a legit online business that can provide passive income. This is how I made a full-time income in just one year, and the best part is that it’s 100% sustainable and legit.

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Is There a Better Way to Make Money Online?

If you’re starting your online business journey, you want a program that beats CTFO. Luckily, I have a fantastic platform to recommend to you: Wealthy Affiliate.

Wealthy Affiliate is an all-in-one platform for creating your affiliate marketing business from the ground up. As soon as you sign up, you’ll have access to top-notch web hosting, keyword research tools, community support, comprehensive training, writing tools, and other software to help you build your online business one step at a time.

You may read our article about the difference between MLM and affiliate marketing.

With Wealthy Affiliate, you can even register for a free account and start with affiliate marketing right away, without paying a dime. If you find you like the platform, you can then upgrade to premium membership to access everything on the site – without any upsells later on.

But just how much can you earn with Wealthy Affiliate? A 21-year-old student was able to earn a whopping $7,395 in just one week – that’s over $1k per day – by applying what they learned on Wealthy Affiliate.

You can read our full review of Wealthy Affiliate here.

Wealthy Affiliate Testimonial

Compared to Authority Hacker, Wealthy Affiliate has a much longer history, having been established for 15 years with many success stories in the past decade. In fact, Wealthy Affiliate already has over a million members, so you can see just how popular this platform is. Here are some more inspiring success stories from Wealthy Affiliate members.

If you’re interested in joining Wealthy Affiliate, their pricing scheme is simple: there’s a free starter membership and a premium membership for just $49 per month or $395 per year. Signing up for the free starter membership requires no credit card and you can remain a free member with no time limit.

As a starter member, you’ll have instant access to the community, live chat, over 500 training modules, 2 classrooms, networking, commenting, 1 free website, and access to the keyword tool – all without spending a penny. So why not register for a free account and see it for yourself? I highly recommend it.

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