My CTFO review – read this before signing up!


CTFO review

In this post I will share my CTFO Review. I will answer the questions “what is CTFO?”, “what is the CTFO product?” and the questions you’re really wanting to know which are “can I make money with CTFO?” and “is CTFO legit?”

Let’s start from the beginning with some basics.

I should say right now that I once an Associate of CTFO. I am no longer as Associate, and I’ll explain more about that in a little while.

What is CTFO?

CTFO stands for Changing the Future Outcome. CTFO is a network marketing business that sell CBD (cannabidiol) products.

CTFO was founded by Stuart Finger. Stuart has a track record in the MLM (multi level marketing industry since 1989. Stuart’s brother Steve is CEO and President of CTFO, and the two have previously partnered on successful business projects together. Information about them both is available on their site, together with bios about the Chief Operations Officer, Treasurer and Secretary Michael Kahn; National Training Director Steve Sakal; and General Manager Meagan Harris.

The executive team do not receive an executive salary from the company. Their salary is much like any other associates of the company (they earn from the compensation plan just like any associates). That certainly is unusual, and commendable! This ethos is reflected in their vision and mission, too:

CTFO Review - vision and mission

Most network marketing companies pay their executives impressive salaries, and as such charge a premium for their products.

What is the CTFO product line?

CTFO CBD products utilise CBD Isolate oil, as well as the full spectrum cannabis plant mixed with hemp seed oil. The CTFO CBD oil is made from non-GMO, pesticide free, CO2 extracted hemp oil using only organic ingredients.

It’s important you understand that the CBD Isolate Oil contains no THC. It is the THC that makes you high – there is no THC in these products. The full spectrum oil gives a high potency of CBD while maintaining over 120 other cannabinoids, all of which have additional healing benefits.

Some examples of CTFO products include:

  • Health – a range of CBD oil drops and deep healing pain creams
  • Anti-aging – hair growth products; anti-aging serum; massage oil; mud masks; moisturing creams; wrinkle remover; neck and decolette anti-aging cream; overnight skin rejuvinator; body butter; under eye cream; cleanser and toner
  • Nutrition – CBD gummies; wellness capsules; pain relief oral spray; weight loss oral spray; energy blast and focus oral spray; sleep support oral spray; and anti-stress relaxation oral spray
  • Pets – pet chew treats; pet health oral sprays and drops; pet conditioning and shampoo

CTFO product range

A 60-day money back guarantee is offered on each of CTFO’s products and product packages on the purchase price paid, less any shipping and handling fees.

Since the legalisation of CBD, more and more medical practitioners are speaking up about the benefits of CBD.

Here is a short video where Doctors discuss CBD, keeping in mind that they are not a part of CTFO:

And a 5-minute video explaining CBD:

Here’s a list of benefits that people have experienced with CBD:

  1. Anti-inflammatory
  2. Relieves nausea
  3. Promotes cardiovascular health
  4. Helps fight cancer
  5. Anxiety disorders
  6. Can treat seizures and other neurological disorders

I believe that CBD is going to be a game changer in the medical world, and it’s already starting to have an amazing impact. This is wonderful news for people who can benefit from the products, and it’s also great news for people who want to generate an income from home, or increase their income from home by becoming involved.

This is an opportunity waiting for you to take hold of it and make this a business that can grow over time, IF you like the MLM model and are comfortable with that. I know that MLMs are not everyone’s cup of tea. They certainly aren’t my cup of tea. I much prefer affiliate marketing.

The CTFO model and opportunity

It is free for you to become a CTFO Associate. That means you can share the opportunity with others, and make income as a result. You also don’t need to purchase products in order to become a CTFO Associate, although of course it is wonderful if you do so that you experience the products firsthand. However, it is not a requirement of becoming an Associate.

One of the reasons I am no longer an Associate is that whilst you are not required to purchase the products, there really is an expectation that you will auto ship them on a monthly basis. So for anyone who lives in a country where you cannot purchase CBD Oil (like where I live), you are going to find it hard to be successful. The compensation plan is also geared towards you purchasing the products yourself. I also realised very quickly that I just don’t like the MLM model. It does not gel with me in the slightest, and I was tired of seeing all the spammy social media posts from people trying to flog their various CBD products. But that’s just me. If MLMs are your thing, then I CBD is a great way to go.

This is what you get when you become a CTFO Associate:

  • Your own website that is set up and maintained for you 
  • Affiliate links that you can share with others including on social media
  • Potential for residual income
  • Wide selection of high quality products that sell and resell due to their effectiveness
  • Impressive company with proven history
  • An opportunity to work from home, on the schedule that suits you and your own individual needs

It is free to sign up to become an Associate and if it turns out it’s not for you, you haven’t lost anything.

Cost comparison of CTFO products and other CBD oils

The quality of the CTFO products is excellent.

More than 67% of the current CBD products on the market that have been tested don’t contain the amount of CBD or other ingredients that their labels say they do. CTFO products do. All CTFO products are manufactured in the USA in a registered GMP facility. GMP stands for Good Manufacturing Practices, and refers to a system of manufacturing practices that is regulated by the U.S. government and guarantees reproducibility of product quality to verifiable specifications. This means that the federal government has verified that you’re getting what you’re paying for because they have confirmed that what’s on CTFO labels is in the products.

The ingredients are on every label. They are also available listed on the website, here.

CTFO’s CBD Oil is very cost competitive when comparing against others with the same purity level. For example, for 750mg of CBD Oil:

  • CTFO product sells at $69.97
  • HempWorx product sells at $89

And, it doesn’t cost anything for you to become an Associate. HempWork will charge you $20 to sign up as an affiliate.

CTFO could be one of an opportunity for you to earn some extra cash without any outlay.

Can I make money with CTFO? Is CTFO legit?

CTFO is absolutely legitimate. Associates can earn money whilst also knowing that the products are improving people’s lives. 

Products are currently available in the USA, Canada, England, Scotland, Wales, Northern Ireland, Ireland and Sweden. CTFO plan to open up in more countries soon.

The CBD market is a brand new, emerging market that is experiencing explosive growth. CTFO is at the forefront of that explosion so there are a lot of rules and regulations that are being developed, and will continue to be developed in the foreseeable future.

All CTFO Associates automatically qualify for a payout of 20% of the Commission Volume on Wednesday of the week following any order. That means that any orders placed by any personally enrolled Customer or Associate that occur between Monday and Sunday of any week get issued to the CTFO Enroller on Wednesday of the following week. Additionally, there are no personal purchase requirements to receive this 20% commission and there are no caps or limits to how much you can earn during any qualifying week. Any commissionable sales that occur during any given week qualify for the 20% CV commissions that are issued the following week.

There are 4 ways any CTFO Associate can be compensated. The 4 types of compensation are as follows:

1 Retail Profit

Associates can purchase products at wholesale prices, and sell for the retail price, resulting in approximately 30% profit on sales.

2 Unilevel Pay

This is the pay you receive from the purchases made by the people you personally enroll, as well as the people they enroll, and the people those people enroll, etc. for 5 Levels.

Your personally enrolled people are on your 1st Unilevel. Their personally enrolled people are on their 1st Unilevel, which is your 2nd Unilevel. Those people’s personally enrolled people are on the 1st Unilevel for them, which is the 3rd Unilevel for you. And this continues for 5 Levels of Unilevel payout.

Associates automatically qualify for the 1st Level of Unilevel Level Pay simply by signing up with CTFO as an Associate. There is no other qualification required for the 1st Level of Unilevel Pay and the amount paid is 20% of the CV of any product and/or package purchased by a personally referred or enrolled person.

The 2nd, 3rd, 4th and 5th Levels of Unilevel Pay all pay out 4% each of the CV amount of any product and/or package purchased by anyone on any of those Levels. This equals a total of 36% (20%+4%+4%+4%+4%) of the total CV amount that is paid out through the Unilevel Pay.

3 Regenerating Matrix Pay

This level has copyrighted profit sharing positions.

4 Infinity Bonus Pay

This level has the ‘top gun pool’. I won’t go into the detail of the plan here because it does get a bit complicated. Unless you’re an absolute gun in the MLM space it is likely not to apply to you – it’s really reserved for those at the absolute top.


If network marketing is not your thing, or you'd like to build your own online affiliate marketing business, click here for my top recommendation: 

Please leave me a comment or a question and I'm always happy to help. Have you been part of a CBD MLM? What was your experience?

8 thoughts on “My CTFO review – read this before signing up!”

  1. Hi

    This sounds like an amazing product. This a great page with lots of useful information.

    Looking at the list of benefits, I have a lot of colleagues and friends who have ailments that this might help with.

    I was surprised to see that you can sign up for free and try out the network marketing opportunity.  That’s a great idea as it is difficult to know what works for you before trying it out.

    Good luck with it!


    • Hi Julia,
      I was also surprised that you sign up free and not purchase any product. This has not been my experience with other MLMs.
      Thanks and I wish you all the best.

  2. This looks like an interesting opportunuty if you’re interested in the Health niche. It’s great to hear that affiliate membership is absolutely free (most other companies request you to buy their products first!) and you get a personalized website.

    So this is also great if you want to buy their products at a 30% discount? You just sign up as an affiliate…

    The Unilevel Pay principle also sounds interesting, as you benefit from people under you to do great. You could set up a personal team with your downlinks and coach them. Eventually when they’re succesful, you’re reaping a lot of financial benefits.

    • Hi Jurgen, I agree it’s a great health niche. I can also see it becoming an even larger market too. The compensation plan is quite interesting and not like other MLMs I have seen out there. There is definitely opportunity here at very low risk.
      All the very best to you.

  3. Hey Melissa,

    Thank you for sharing a great to making money opportunity – The CTFO. Many people are sceptical about MLM scheme but after reading your review about CTFO, it’s definite a legit company and the opportunity to earn residual income is unlimited with its 4 compensation plans. Further it’s free to join and you don’t have to maintain any monthly quota or buying any product to qualify for the commission. It’s a risk-free business.

    Further, CTFO has a proven track record in producing high quality CBD and Wellness Products and its products have labelled GMP and regulated by US Government. They also provide 60 money back guaranteed on all its products.

    This is a good opportunity not to be missed


    • Hi Nax, it is certainly legitimate. For many people this will appeal, because it is free to join, and there no requirement to purchase products. This is a very different model to most MLMs.
      All the very best to you.

  4. Hi, Melissa. Each sales platform company has its own way of working, using unique natural resources to manufacture products, regardless of the aspect of products, business and services, these companies are fully committed to doing the best to fulfill the task, so that customers and the employee both are profitable. As mentioned in this article, CTFO CBD products are manufactured using natural and organic methods, which means that they are very concerned about the concept of health, and the employment opportunities, the commissions they give are also in line with the conditions they should have. The two points are very important, especially they are now new brands. Many sales platform companies will succeed because they do both customer and employee. A very nice of an MLM article, thanks for sharing.


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