Scam Risk is here to help you protect yourself and fight back
By: Scam Risk - Expert Reviewer

CTFO Reviews: Another Pyramid Scheme?

Is CTFO Worth Your Time and Money?

Are you interested in CTFO and the business opportunity that comes with it? 

In this article, we’re going to review CTFO to decide if it really is the best MLM out there. 

We’ll talk about whether CTFO  MLM is the right online business for you.

In the end, I’ll answer some of the most frequently asked questions regarding CTFO and MLM in general.

But most importantly, I’ll show you the exact system I used to build my own internet marketing business to over $40,000 a month in mostly passive income.

This system made me swear off MLM for good, because it uses some of the same skills but in a much more powerful and profitable way!

Check Out This Simple Way To Run A Digital Real Estate Empire Online
With no:
This is so simple, it should be illegal.

Table of Contents

CTFO Review: What is Changing the Future Outcome (CTFO) MLM About?

Changing The Future Outcome (CTFO) is a health and wellness company in the Multi-Level Marketing industry. Their flagship product is CTFO CBD Oil and the company was founded in 2015.

This review will further explain the nuts and bolts of CTFO, and I will show you the hard facts before you sign up. 

What is Changing the Future Outcome?

CTFO ( founded by brothers Stuart Finger and Steve Finger and Michael Khan, is a network marketing company that offers a business opportunity in the CBD Oil and Hemp Oil areas. They are based in London, UK.

CTFO originally stood for Chew The Fat Off, since the company was rebranded from weight loss to CBD Hemp Oil Products. 

Their CBD products are CO2 Extracted. They are also non-GMO and pesticide-free and use only the highest quality and purest organic ingredients without heat processing. They are also cruelty-free. 

CTFO Review: Summary

Name: Changing The Future Outcome (CTFO)

Founders: Stuart & Steve Finger and Michael Khan in 2015

Corporate Executive Vice President: Steve Finger

Type: Health and Wellness CBD Oil – Multi-Level Marketing / Network Marketing

Products (Including Pricing): 20 out of 100

Success Stories: 10 out of 100

Price to Join: Free 

  • $19.95 monthly (premium membership)
  • $47.47 “auto-ship” of products monthly (40 out of 100)

Best For: Those who enjoy the MLM business model and excel at selling and recruiting

Rating: 30/100

Recommended: NO


Yes, CTFO is a multi-level marketing company

What Do I Look For In An MLM?

  • Low starting fee & maintenance cost
  • High-quality & affordable products
  • No need to carry inventory
  • Having an affiliate-like setup
  • Generous plan for compensation
  • Company is in the early startup phase

Product Review: What is the Changing the Future Outcome MLM Product Line?

CTFO has a range of products under the following categories:

  • Health – CTFO CBD oil, healing cream 
  • Anti-aging – hair growth shampoo/conditioner, sun cream, CBD anti-aging serum, massage oil, bath bombs, mud mask, etc. 
  • Nutrition – CBD gummies, protein shake, pain relief oil, etc. 
  • Pets – CBD spray, hemp chews, CBD spray 

Take note that the CBD MLM market is already highly saturated.

But CTFO tries to stand out via its flagship product. The CBD OIL. 

First, it’s crucial to understand why anyone would want to buy CBD oil — it comes from the cannabis plant, so there’s a little bit of grey area as to whether the product is legal or not in some states and countries.

The oil contains a small trace (less than 0.3%) of Tetrahydrocannabinol (THC) — the part of cannabis that gives people the “high.”

It has been observed that CTFO CBD oil has benefits for some illnesses like:

  • Relieves pain
  • Alleviates cancer symptoms
  • Reduces anxiety and depression
  • Reduces blood pressure
  • Reduces acne
  • Reduces diabetes
  • Eases Parkinson’s and epilepsy symptoms

However, there are a few benefits for some people to take this regularly.

Plus, more research needs to be done to prove some of these claims.

Changing the Future Outcome (CTFO) MLM Quick Report

Summary: CTFO is an MLM company in the health and wellness industry that specializes in CBD oil, which is claimed to have lots of health benefits since it’s extracted from cannabis. 

Most CTFO associates lose money due to expensive prices and monthly fees to remain “active.” The only way for them to make money is by recruiting lots of other people.

Recommended: No

Can You Make Money with CTFO products?

Yes, You can!


There’s a lot that comes along with Network Marketing (MLM) that many people struggle with.

In fact, check out our Top 5 Reason Why Most Network Marketers Fail.

Now, don’t get me wrong…

You can certainly make money with MLM, but if you’re gonna put in the amount of grueling work to do this business (which, trust me, isn’t easy), you might as well bring in some REAL money while you’re learning the ropes.

The program that helped skyrocket my online business to over $40,000+ per month is so simple that making money really does become second nature.

Two Ways To Make Money With CTFO MLM

As a CTFO associate, you can make money by: 

  • Selling their products for a 30% commission
  • Recruiting people and earn bonuses from their sales 

NOTE: You do not make money directly from recruiting people into this community. You only get paid bonuses from your downline’s sales.

But since you have to spend $47.47 monthly, you now see that the more people you recruit, the more money and bonuses you make. 

CTFO Compensation Plan 1: Make Money from Sales

The first way you make money in CTFO is by selling the products directly to people and make a retail commission with them. The brand has a 30% mark up for each product sale.

This is a pretty high retail commission rate as compared to other MLMs like Hempworx, Emris and Kannaway. 

CTFO Compensation Plan 2: Make Money, Build a Team

Build a strong team by recruiting people and building a big downline. You will earn a commission for every sale your downline makes.

It works differently as compared to all other MLM companies.

The brand will not pay you for the people recruited under you. You will only make money IF your downline makes sales.

How does CTFO Work?

It has a range of health and wellness products.

It offers the opportunity for people to “work from home” so that they can make money by selling products and recruiting people. 

With this setup, the company saves monthly costs on marketing or having staffed physical stores/offices all over the country. 

How To Get Started With CTFO MLM?

Upfront, it seems that it’s technically FREE… But realistically, you have to buy some products so you can try them and sell them. 

So, I suggest that you buy a “Business Builder Pack” if you join.

CTFO Compensation Plan

Their Compensation Plan is quite complicated — almost 13 pages of math, UGH!

But here are some key points that I understood in my review:

There are only five (5) ways you will get paid via the Compensation Plan:

  • Retail Income (30% commission)
  • Uni-level Commissions – bonuses for downline sales (5 levels deep – 20% or 4% depending on the downline positions)
  • Matrix Commissions – more bonuses from the downline sales (21 levels deep 1% bonus)
  • Profit-Sharing Positions In The Matrix (PSP’s) – only 3 people below you in the matrix 
  • Infinity Bonus and the Top Gun Bonus Pool – more bonuses from your downline

Check this out! The CTFO Product Information Bonus (PIB)

Earn commissions by ranking up at CTFO MLM

Could this be true? Do you think this is feasible?

CTFO offers regenerating matrix pay — what do you think of this?

Look at this PSP diagram — does it look like a pyramid?

CTFO Review: Is CTFO a Pyramid Scheme?

A lot of people ask if CTFO is a scam or just another one of those Pyramid Schemes. No, it is not an outright pyramid scheme because it’s possible to make money from selling products and earning commissions. 

However, the better question for MLM companies is… Is CTFO one of those “pyramid schemes in disguise?” 

It is entirely possible to build a profitable, successful MLM business with CTFI… But there are better ways to build a business other than with MLM.

My #1 pick proves this.

Because unlike MLM, it actually provides real proof of real success from real people as recently as a few days ago.

Why is CTFO NOT a Pyramid Scheme?

What company uses a Pyramid Scheme?

Well, any company that promises the members payment for recruiting more people.  

This is illegal in most countries and outright pyramid schemes do not actually sell any products or services. This setup is illegal because it is unsustainable, and most of the people who get involved usually lose a lot of their hard-earned money.

Therefore, based on my review, it is not a pyramid scheme simply because they do promote legit products or services. Although many people consider it a scam.

The pressing issue is that some MLM companies use their products to hide the truth. And they channel making good income by recruiting more people into the company. 

Sadly, the “associates” (or consultants/distributors) usually end up losing money due to the monthly fees required to stay active.

What Do I Like About CTFO MLM?

I like it because of its high-quality products. The brand has some pretty positive product reviews.

What Don't I Like About CTFO MLM?

There are several reasons why I do not like this brand. And these outweigh the benefit I previously mentioned. I have five (5) reasons:

  • Expensive products
  • Monthly sales quota
  • Pyramid scheme in disguise
  • Non-transparency
  • Downward trend

Expensive CTFO Products

I think their products are extremely expensive. As compared to others in the CBD market, they can cost upwards of 200% more than the rest.

Their flagship CBD oil product will cost you $120. Plus, the quantity is too low as compared to other MLM companies.

Monthly Sales Quota

It is the only CBD oil MLM that requires a monthly sales quota, charging its partners a monthly fee.

Is CTFO a pyramid scheme in disguise?

It is not an outright pyramid scheme. But it can be a disguised pyramid scheme.

WHY? Out of the four ways of earning, three are from recruiting:

  • Recruiting people to make recurring money
  • Recruiting 10 people so you need not pay $47 anymore. This makes its partners focus on recruitment instead of selling.
  • Recruiting people to make passive income

Not transparent – No income disclosure

Just like other MLMs, they did not issue income disclosure.

Downward trend

Sadly, their trend on Google is gradually going down and down daily. This means that this business is coming to an end soon. This review should alarm all the people who want to join this community.

CTFO Reviews: Is CTFO a Scam?

So the question is — is CTFO a scam?

Definitely NOT.

It sells legit products and compensates their associates as they promise. 

However, the question is — is it the right opportunity for you to make money from home?

Is CTFO MLM Still in Business?

It has been around for 3 years and is still in business.

Is Changing the Future Outcome (CTFO) MLM Legitimate?

Yes, it is a legitimate company.

However, the whole industry is not regulated and once the government decides to lower the hammer it (or if you need a license to sell CBD Oil), then you could end up in a pickle.

CTFO Review: Is CTFO MLM Good for You?

So, is Changing the Future Outcome good for you?

I do not openly recommend this MLM due to the points mentioned above. 

When it comes to building a business, you have plenty of options.

And even if you’re dead set on becoming an MLM marketer, you’ve got way better options than CTFO. 

What Is Our Top Recommendation For Making Money Online In 2021?

Our review team has come across a program in the real estate industry that is next level! 

Although it’s not real estate in the traditional sense, it’s all digital. 

Yup, Digital Real Estate! 

Where CTFO falls short is in scalability.  

There’s only so much time in a day and there’s only so many people you can reach to sell by yourself. 

MLM companies know this!

Which is why they push so hard for you to recruit for your downline…you can’t get rich with it as a one man/woman show. 

But what if you could make even more money off of little local websites without having to spend hundreds of dollars on overpriced products and a bunch of time recruiting people to sell under you? 

With this digital real estate program, you can make recurring monthly income without constant sales to your friends and constant recruitment! 

Sound too good to be true?

Of course it does!

But it isn’t…in fact, business owners wish they had this skill! 

All you have to do is build and rank a LOCAL website and forward the jobs off to a business owner in town, you could even email it to them! 

This works for literally any service based business, tree service, plumbing, towing, etc.  

How do you get paid and how much? 

Simple, after you forward the jobs off to a business owner and he makes some money off of them, you simply ask to make the deal beneficial for each other. 

A fair price to charge per lead, depending on the industry is 10-20%…let’s just use the tree service industry for example and go by worst case scenario. 

Let’s say you build and rank the site and only 10 jobs a month come in. The average tree service job is anywhere from $500-$2000! 

That means at bare minimum you have an asset worth $500 a month! 

See why they call it digital real estate now? That’s a rent payment.  

The great thing is how easy it is to scale. You don’t have to worry about: 

  • Your upline getting paid before you 
  • Begging your friends and family to buy from you 
  • Recruiting people all the time 

Remember CTFO? You only get what’s left of the pie if you meet a monthly quota… 

The course we recommend actually allows you to collect HUGE FLAT RATE DEALS. Truly passive income! 

The training program takes making money online to a whole other level. The owner of the program walks you through how to build and rank a site hand in hand, with the occasional voice over when he is sharing his screen. 

You will learn the importance of keywords, website name, how to send call notifications via email, backlinking, etc. 

Once the training program is completed you will also have access to a Facebook group much better than the CTFO MLM in our opinion. This group is much more active. 

Unlike CTFO, where you’re getting maybe $10 per sale, you could be getting 10-20X THAT. 

A business will always want more leads and another job. In fact it doesn’t even matter that the job isn’t coming from their website name…they see it as it is…expanding digital real estate. 

Unlike CTFO, more people have been able to walk away from their 9-5 job as well.  

Digital real estate allows you to have total passive income with most of your day being spent WITH your friends, NOT selling to them. 

Now, I know you probably have tons of questions…  

So, check this out to learn more. 

Share This Article:
Share on facebook
Share on twitter
Share on linkedin
Show all Most Helpful Highest Rating Lowest Rating Add your review
  1. My name is Warren Burge and I’m interested in doing the digital real estate online course and job.
    The biggest question I have is,I am from Australia is that a problem?
    And how much to join or to do course?

    My email address is or call me on 0456363870


Leave a reply

ScamRisk's #1 Online
Business Recommendation:
You know deep down what you're meant for. Now they will show you how to go get it.
Scam Risk

Be first in line to read all the new Scam Risk Reports as they're published!

Select the categories that interest you the most

We don't share your information with any 3rd parties and we will never spam you.


Report A Scam


Get A FREE Copy Of Our New Book!

Tell us where to send your free book