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CTFO Review: Scam or Legit MLM?

By: JosiahDec 11, 2023Network Marketing
CTFO Review: Scam or Legit MLM?

CTFO Reviews: Introduction

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!

Now, I do want to be totally up front here, so...


This CTFO review has been thoroughly researched with information and testimonials that are available to anyone in the public. Any conclusions drawn by myself are opinions.

  • High-quality products
  • The brand has good reviews
  • Products are expensive
  • Monthly sales quotas
  • Reminds me of a pyramid scheme

Why Listen To Us

My name is Josiah, and this is my Dad, Joel.why listen us

Together, we make up the team here at Scamrisk.

If you’ll let me bother you for two minutes, I’d like to quickly explain why I’m even here writing this review.

In early 2020, I had just graduated from college & had no real career prospects.

I knew I was destined for something more, but I had no clue how I was going to make it happen.

I had this sinking feeling in my gut all the time… like the “big man upstairs” had accidentally given me the version of life where I’d be mediocre forever, instead of the one where I was, ya know – happy & fulfilled.


I had fiddled around with some different online businesses in college:

Some random MLMs, a bit of affiliate marketing, a (failed) dropshipping store or two, all the usual suspects.

Even my dad had been involved in MLMs back in the day… selling knives & other random nonsense people (probably) didn’t need.

All I really wanted was to find something that was going to actually work for me.

Maybe those things had worked for others, but for me it all turned up a fat “0” in the bank account department.

So I searched! And searched… and searched… and searched…

And eventually, I somehow stumbled upon a program that promised to help me build an income online (read about it here if you’re curious).

I didn’t really want to be “rich”.

The thought of making a reliable $5K per month & not having to worry about clocking in to a 9-to-5 ever again was all I needed.

Sure, there were people in the program doing high-6 and low-7 figures per year… but that wasn’t what I was out for.

I just wanted to provide freedom for myself, and if I was lucky, take my family along for the ride.

Fast forward a few days and a few phone calls & I was enrolled!

Here’s the first “money making website” I put up:

why listen us gif

I built that site in 2020, and it still makes me $1,500 per month. It’s a basic 5 page website I built based on a template the program provides.

The best part to me? My dad and I get to do it all together!

So between the:

  1. Ease of reaching $5-$10K per month in income online

  2. Straightforward-ness of the system to do it

  3. Fact that I get to do it w/ my family

Is why I recommend local lead generation as my #1 business model for making money online.

Sure, it takes some work and dedication – but anyone that tells you that there’s a business out there that requires no work is selling you a lemon.

I’m not saying you need to sign up for the same program I did, but I would definitely recommend giving the business model a peek!

Chances are you heard about CTFO because someone - a friend or family member - introduced you to the company. Maybe you attended an online workshop or webinar, or maybe an in-person information session.

Your head’s probably spinning. This might be the first time you’ve heard about a real way to make money outside of a typical job.

So first off, congratulations! 

You’ve just entered a whole new world...the world of making money on your own terms.

However, you came in through the wrong door.


Because CTFO is - plain and simple - an MLM. Throw whatever fancy name you want on it...multi-level marketing (MLM), network marketing (NWM), direct sales, or anything else, it’s the same concept:

You pay some money upfront for the “opportunity” to sell products.

The products are typically low-quality but with high price tags (because fancy labels and stuff).

You’re told that the key to building your own successful business is selling these products to friends and family, and getting them on a subscription (so you get “monthly recurring revenue”).

Unfortunately, like most people who get taken in by these types of schemes, you’ll quickly discover that the well runs dry faster than you imagined.

After all, they make it sound really simple. “Just get 5 people you know onto this magic widget, and things will just grow from there.”

And in your head, you think “How hard can it be? I know plenty of people, 5 will be easy.”

But then you do it, and you realize people look at you like you’ve joined a cult. You’ve become “that person”, who joined an MLM, and is now trying to sell questionable products or services to everyone they meet.

It puts a strain on your relationships, and you end up stuck between two worlds.

But it’s not your fault. These companies spend millions of dollars each year figuring out exactly how to brainwash and recruit people. And that’s why we’re here.

To help you find a better way before it’s too late.

passive income

So, what if there was a way you could build a passive income stream that’s actually passive?

An income stream that doesn’t require:

  • Inventory
  • Selling to friends and family
  • Selling to strangers
  • Recruiting people
  • Dealing with questionable products that weigh on your conscience

An income stream that brings in consistent revenues every single month (from a couple thousand dollars to well over $10,000)?

An income stream you could actually build in your spare time, and grow as large or as small as you want to, without having to spend hours a day chasing, selling, or managing anything?

TESTIMONIAL - Still Getting Paid

If that sounds like something you’d be interested in, check out Digital Leasing. 

This is nothing like MLM, and that’s probably a good thing.

However, if you’d still like to know more about CTFO, keep reading.

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.

CTFO Reviews

What is Changing the Future Outcome?

CTFO ( founded by brothers Stuart Finger, 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.

Changing the Future Outcome

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

Changing the Future Outcome MLM Product Line

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

Is CTFO A Scam?

Scam or Legit

So, is CTFO a scam?

Not technically. You can make money with this program, but it’s definitely not as easy as the company makes it sound.

There’s a ton of work to be done upfront, no real guarantee of success, and - most importantly - the actual commissions are pretty small.

Now, there’s nothing wrong with front-loading the work and making the money later.

But if you’re grinding it out for 3 months and then your reward is a $50 commission, it’s not really worth it.

What if, instead, you could do that same 3 months of work (in your spare time), and your reward was a $500 to $2,000 payment that came in every single month?

And what if you actually didn’t need to wait 3 months? What if you could get started today and have your first payment in a week?

And what if you could double it next week?

Well, that’s the power of Digital Leasing. 

And, unlike an MLM, you can legitimately do this from anywhere. It’s a true lifestyle business.

Your laptop and an internet connection is all you need.

Some of the most successful students in this program run their entire 6-figure businesses from:

  • A camper in the middle of the woods
  • A beach chair on the water in Mexico
  • A small villa in Greece

TESTIMONIAL - Saying Goodbye To Our Jobs

They’re able to travel around, living their lives first, and focusing on their income second.

Because even if they stop working for an extended period of time, the money keeps coming in.

So adventure, memories, and experience are the top priority.

And they never have to worry about how to pay for the next trip, or consider asking for time off.

If this sounds more like the type of life you want to lead, just click here to find out more about Digital Leasing.

Can You Make Money with CTFO products?

make money

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.

Make Money With CTFO MLM

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.

ctfo comp plan

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?

ctfo business

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

CTFO Compensation Plan

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

Monthly Loyalty Rank Bonus

Earn commissions by ranking up at CTFO MLM

Infinity $25k Bonus

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

Regenerating Matrix Pay

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

Profit Sharing Positions

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

Infinity Team 7 Pay

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?

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.

is ctfo legit

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.

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.

Are There Alternatives To CTFO?


Yes, there are plenty of MLM companies to choose from if you want to pursue this business model.  Here are just a few:

What Is Our #1 Recommendation For Making Money In 2024?

Digital Leasing

Our review team has spent months researching, reviewing, and vetting dozens of business models and thousands of programs.

While there may be no “perfect business”, the research IS conclusive:

Digital Leasing is the #1 online business model for those just starting out.

Whether you’ve never made a dollar online, or you’ve been in this space for a while but never really “made it,” Digital Leasing is for you.


1) It’s Flexible: got an hour a day? You can do this. Ready to drop everything else and dive in full time? You can do this. Yes, the more time you put in, the faster you see results. But even with a little time each day, you can move the needle in a Digital Leasing business.

And because this system is so flexible, you don’t have to constantly be working to make more money. It’s called PASSIVE INCOME because if you stop working, the money doesn’t.

Imagine taking 3 months off to just tour around Europe, rent a cabin in the woods to write a book, hike the Appalachian Trail, or live on the beach and surf all day.

This is only possible if you have an income stream that’s not tied to your time.


2) You Own & Control EVERYTHING: With MLMs and Network Marketing, you don’t really own anything. You have no control over the quality of products. You don’t even own your “team”.

Look at the fine print for most of the agreements folks sign when they join one of these companies. At any point, the company can change your commission structure, reduce your profit margins, or kick you out entirely.

With Digital Leasing, you own the assets, which means you have all the power and all the control.

TESTIMONIAL - Feeling Blessed

3) Little To No Startup Costs: It’s possible to get into Digital Leasing with zero dollars upfront. Because, using the strategies outlined in this program, you can get a client to pay you BEFORE spending a penny out of your own pocket...even before you do any work.

Even without getting paid in advance, you can have your first Digital Rental Property up, running, and generating profits for less than $100.

TESTIMONIAL - Scott Lead Gen

4) No Inventory: Alright, so most MLMs don’t make you buy the products and fill your garage with them anymore (unlike the good ol’ days), but you’re still in a physical products business.

And physical products always have physical limitations. Even if you don’t have to manage the inventory, you still have to deal with supply chain shortages that cause major delays.

Imagine finally landing your first customer, and then losing them after one sale because they had to wait 6 weeks to get their order.

With Digital Leasing, a 100% online business, you never even have to think about that risk.


5) Easy To Duplicate: Ok, here’s the best part: once you have your first Digital Rental Property up and running, you can literally DOUBLE your income with a few clicks, a couple keystrokes, and a single phone call (and you don’t actually need the phone call).

Remember: each Digital Rental Property is worth $500 to $2,000 a month in semi-passive income (over 95% profit). Every time you decide to create another one and increase your income, it gets easier.

Because you have more knowledge, more experience, more results, and more momentum.

If you wanted to double your income with an MLM, you’d have to double your customers OR double the average order size of your existing customers. And, guaranteed that’s a lot harder than a few clicks and a few minutes of your life.

TESTIMONIAL - Lance Lead Gen

6) Make Money Helping Real People: This part is what makes it all worth it. In an MLM, your “upline” might convince you that what you’re selling improves people’s lives, but deep down, you likely know that’s not true.

Most of the time, you’re either selling a dream or a poor-quality, overpriced product with a fancy label.

And that makes it pretty hard to sleep at night.

But with Digital Leasing, you’re actually helping people by solving your clients’ biggest problem:

Small, local businesses need more customers, and with Digital Leasing, you are unleashing a flood of happy, paying customers for these businesses.

You make money by helping them make money.

Not a big, faceless corporation either...a small business owner who’s using that money to put food on the table for their family, start a college fund for their kids, or take care of a sick parent.

Once you see how Digital Leasing makes a real impact in the lives of real people, you’ll sleep like a baby with a big smile on your face.


Now, the choice is yours.

You could continue browsing, looking at opportunities like CTFO which could one day make you money.

You could continue researching, never making a decision.

OR, you could take a look inside, consider what you really want, and join a program that makes your dreams a reality. At the same time, joining a community of over 2,000 successful students that are living life on their own terms thanks to Digital Leasing.

A consistent, reliable, semi-passive stream of income that doesn’t depend on you or your time to keep producing profits.

All while genuinely helping real people who are grateful and happy to pay for it.

If this sounds more like what you want out of life (or if you just want some nice side income), click here to learn more about Digital Leasing.

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