Complete Review Of CTFO – Legit Or Scam? Truth REVEALED!

What Is CTFO?

Who Is Steve Finger?

Steve Finger has extensive career long experience in sales and marketing stretching to over 35 years in a wide variety of industries from nutrition to telecommunications. 

One of his achievements was designing a unique way for convenience stores to market and sell fashion watches in stores that normally do not sell such items. The company he was working with at the time ended up with 700+ accounts in 5 different states in only 12 months.   

Alongside his brother Stuart he co-founded Teamworks inc, which has gained over 150,000 clients. 

He is also co-founder alongside Ian, his son, of Austin based Good News Roofing. 

Since 1986, through multilevel marketing he has been able to enjoy a full time income while working part time hours. 

Who Is Stuart Finger?

Stuart has been a successful multilevel marketer and business owner since 1989 managing to achieve a high ranking position in the first company he worked with and the top highest ranking position with the second company. 

He has a gift for building teams of thousands of people and has owned his own business for almost 20 years with hundreds of thousands of clients and tens of thousands of distributors. 

Besides network marketing, Stuart has owned multiple regular businesses including retail outlets and restaurants. 

CTFO Lawsuit

Lawsuits and Network marketing companies go hand in hand like prom queens and high school jocks!. 

If an MLM company does not have one filed against them, sooner or later they will - the industry is rife with them for one reason or another.

This is something you need to keep a vigilant eye out for as you don't want to invest your hard earned money in an opportunity and then find it closed down a few weeks later for falling foul of the law. 

I have been unable to find a lawsuit filed by a private citizen or corporation against CTFO at the time of writing this article. 

CTFO CBD Oil - Their Flagship Product

Understanding their flagship product and understanding it well in terms of its benefits and uses is what will help you to succeed as an Associate with CTFO. 

The CBD Oil, as you are well aware if an extract from the cannabis plant and still, while being legal it is still a very grey area as CBD is state legal in only some states yet still federally illegal. 

Changing The Future Outcome splits their products into 4 main easy to manage categories which are: Nutrition, health, Anti ageing and CBD For Pets!. 

• CBD Oil For Nutrition Category

This is where you will find their CBD Gummie bears as well as capsules and oral sprays that are designed to help with various health conditions like stress reduction, weight loss, and insomnia. 

• CBD Oil For Antiaging

The antiaging category has over a dozen different products ranging from various beauty treatments, skin care, cleansers and antiaging serums. This category also has the hair regrowth treatment! 

(Where were you CBD 10 years ago when I needed you!).

• CBD For Pets

Yep CTFO also has a range of products for your pet pooch, consisting of sprays, drops, treats and even shampoo!. 

The CTFO Compensation Plan Detailed

Changing The Future Outcome CTFO's compensation plan combines direct sales commissions with both matrix and unilevel residuals. 

There are also rank based bonuses and performance based bonuses. The commission percentages expressed are paid based on commissionable volume and not the retail value of the the products that you have sold.  

Changing The Future Outcome Distributor Ranks

The Changing The Future Outcome Compensation Plan has 11 distributor ranks in total which are as follows: 

• Affiliate: To qualify all you need to do is to join as a free Changing the Future Outcome Distributor. 

• First Level Manager: To qualify at this rank you must recruit &  maintain at least one commission qualified CTFO affiliate or a retail client that buys at least US$47.47 per month of products.

• Second Level Manager: To reach this level you have to recruit & maintain a minimum of 2 commission qualified CTFO affiliates or retail clients that buy a minimum of US$47.47 per month worth of products each.

• Snr Manager: Achieving this level you need to recruits as well as  maintain 3 commission qualified affiliates or retail clients that spend a minimum of US$47.47 per month each.

• Exec Manager: Getting this rank you will have recruited and maintained 4 commission qualified affiliates retail clients that spent at a minimum of US$47.47 a month each. 

• Vice President: To become a vice president you need to have recruited and maintained at minimum of 5 commission qualified affiliates or retail clients that spend a minimum of US$47.47 per month each. You must also generate no less than US$25,000 in your downline's sales volume during an ongoing 4 week period. 

• Snr Vice President:  Getting this high in Changing The Outcome you will have recruited and maintained a minimum of 5 commission qualified affiliates or retail clients whom purchase a minimum of  US$47.47 per month each, as well as generating no less than US$50,000 in your downline's sales volume on an ongoing 4 week period.

• Exec Vice President: At this rank you need to maintain a minimum of 5 commission qualified affiliates or retail clients whom purchase a minimum of US$47.47 per month each, you also need to generate no less than US$100,000 in your downline's sales volume on an ongoing 4 week period.

• Presidential Director: This rank you must maintain at least two more commission qualified affiliates or retail clients who purchased a minimum of US$47.47 per month each, you must also have recruited three Executive Vice Presidents, directly or indirectly (one each in three independent unilevel legs).

• Snr Presidential Director: Here you need to maintain a minimum of 2 other commission qualified affiliates or retail clients whom purchase a minimum of US$47.47 per month each, you need to also have 3  Presidential Directors that you have indirectly or directly recruited (one of each in three different unilevel legs). 

• Exec Presidential Director: At this level you must maintain a minimum of 2 other commission qualified affiliates or retail clients who have purchased a minimum of US$47.47 per month each, additionally you need to have 3 recruited Senior Presidential Directors either indirectly or directly (1 in each of three different unilevel teams).

• Top Gun: To be a top gun need to maintain a minimum of 2 other commission qualified affiliates or direct retail clients that purchased at a minimum of US$47.47 per month each, also must have 3 Executive Presidential Directors that you have indirectly or directly recruited (1 in 3 separate legs of your unilevel team.).

The image above can be explained in the following way: 

• Green: You. 
• Orange: Your level 1 recruits. 
• Purple: Your level 2 recruits (your recruits' recruits). 

It is very easy to follow, if the colour purple were to recruit, those would be placed below them and on to your level 3. 

Changing The Future limit you to 5 unilevels deep. Your residual commissions are calculated as a percentage of the CV (commissionable volume) over the 5 levels in the following way: 

• level 1 (Your personally recruits): 20% commission
• levels 2, 4 and 5: 4% Commission.

The number of levels that you can earn on are calculated in the following fashion: 

• You sign up as a distributor/affiliate = You can earn residual commissions from only level 1. 

• You Recruit & maintain 2 commission qualified distributors/affiliates = You can earn passive residual commissions from both levels 1 and 2.

• You recruit & maintain 3 commission qualified distributors/affiliates = You can earn residual commissions from levels 1, 2 and  3

• You recruit & maintain 4 commission qualified distributors/affiliate = You can earn residual commissions from levels 1, 2, 3 and 4.

• You recruit & maintain 5 commission qualified distributors/affiliate and have built a downline that generates US$ $25,000 in total sales volume per month = You can earn residual commissions from levels 1, 2, 3, 4 and 5

Changing The Future Outcome Residual Matrix Commissions

CTFO pays their matrix commissions on a 3 X 21 matrix. 

With this matrix you are placed at the top with 3 positions directly below you as indicated in the image below.  

Each of the top 3 positions are the first level of the matrix. The second level is split in 3 groups of 3 making a total of 9 positions 

Your levels 3 to 21 continues in this same manner with each position permitted to recruit 3 people/positions each. 

Each level will house 3 times as many recruits as the previous level. 

• Level 1: 1 recruit - You!. 
• Level 2: 3 recruits. 
• Level 3: 9 recruits. 
• Level 4: 27 recruits. 
• Level 5: 81 recruits 
• Level 6: 243 recruits. 
• Level 7: 729 recruits and so on 21 levels deep. 

Each position in the matrix can be filled by either direct or indirect recruits. You commissions are calculated as a percentage of the total sales volume that has been generated over the 21 levels in the following manner: 

• levels 1,2 3, 4 and 5: You earn a 1% commission.
• levels 6 & 7: You earn a 10% commission. 
• levels 8 through to 21: You earn a 1% commission.

As a CTFO Distributor/Affiliate you do not earn the full commission on matrix straight away - you must qualify for them in the following way: 

• If you recruit & maintain just 1 commission qualified distributor/affiliates You can earn only 25% of the payable matrix commissions from levels 1, 2, 3, 4, 5, 6 and 7.

• If you recruit & maintain 2 commission qualified distributor/affiliates You can earn only 50% of the payable matrix commissions from levels 1, 2, 3, 4, 5, 6 and 7.

• If you recruit & maintain 3 commission qualified distributor/affiliates You can earn 100% of the payable matrix commissions from levels 1, 2, 3, 4, 5, 6 and 7.

• If you recruit & maintain 4 commission qualified distributor/affiliates = You can earn only 100% of the payable matrix commissions from levels 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, and 14.

• If you recruit & maintain 5 commission qualified distributor/affiliates = you can 100% of the payable matrix commissions from all 21 levels.

Changing The Future Outcome Additional Matrix Positions

CTFO reward their distributors with extra matrix positions allowing you to earn beyond the 21 levels. 

Once you have recruited 3 members to your matrix every recruit that you get beyond the initial 3 generates you a new position in your matrix. This new recruit is placed directly on to level 1

This new position created follows in coherence with your original matrix. 

The CTFO Infinity Bonus Pool

Only Vice Presidents and above qualify for this bonus pool. It paid as a bonus percentage on your unilevel teams volume.

The residual commissions are limited to a maximum of 5 levels deep, while the infinity bonus will pay you the entire depth of your team with no cap on how many levels deep.   

• Vice Presidents can earn a 4% Infinity Pool Bonus.
• Snr Vice Presidents can earn an 8% Infinity Pool Bonus.
• Exec Vice Presidents can earn a 12% Infinity Pool Bonus.
• Presidential Directors can earn a 13.75% Infinity Pool Bonus.
• Snr Presidential Directors can earn a 15.5% Infinity Pool Bonus.
• Exec Presidential Directors can earn a 19% Infinity Pool Bonus.
• Top Guns can earn a 19% Infinity Pool Bonus.

Changing The Future Outcome Top Gun Bonus Pool

CTFO pay a 6% of their global sales volume and put it into this bonus pool. All Top Gun Ranks get an equal share of this bonus. 

Unfortunately there is no clarification in the compensation plan how often this is paid out. 

I strongly advise and encourage you to be safe online and do your homework and background checks into every opportunity that you are interested in. 

By force of good habit I always without fail check out a companies rating on the Better Business Bureau. 

CTFO are listed on the BBB database they are unaccredited and hold a miserable flat F rating. 

The Truth in advertising act as a watchdog organisation keeping an eye out for poor and misleading advertising practices and fraudulent and illegal claims made regarding products and income claims. 

There is no mention of CTFO on the TINA website. 

 The CBD and CBD Oil is an unregulated industry.

This very much means that there is absolutely no control whatsoever as to grade and quality of any CBD product, be it for man or man's best friend!. 

This particularly means that any company, Changing The Future Outcome included cannot make any bonafide legit claims to have a proven quality product that is properly tested and endorsed by the FDA or any government agency or meet cGMP quality standards.

In short,

you or I can legitimately set up a CBD product and say what the heck we like on the products label and sell it to the public at large!.

This alone is why I avoid CBD, and perhaps you too.  

This alone, put into question any CBD company's  claims of quality products including CTFO who make claims of having highest of standards by means of a Carbon Dioxide extraction process. 

Being an unregulated industry and no actual proof or evidence other than taking their own word for it is not enough for me.

Independent Evidence. Regulation! A Seal of approval please!. Paid for study or approval not accepted!.

It said on the company website that their products are organically grown. I have not seen any evidence by 3rd party organisations such as the United States Department Of Agriculture certifying or confirming that they are indeed Organic. 

This may be be just lipservice. 

This is something that I can confirm 100% that their products are indeed cruelty free and endorsed by PETA as being so. 

No. 

Changing The Future Outcome and their products are not FDA Approved. The Food and Drug Administration do no approve of any natural products for the use on or in the human body to treat, cure or manage any known or unknown medical conditions. 

Their products are manufactured to a cGMP - certificate of good manufacturing practice meaning you are assured their products are made in a clean and safe environment. 

There are many good things about Change The Future Outcome that I did like which were: 

• They are a low cost opportunity and won't cost you an arm and a leg to get started. 
• CBD Oil is a very popular product.
• Their products are well reviewed and well liked online.

There are a few concerns in regards to Change The Future Outcome That I did not like which were: 

• They are not fully accredited by the Better Business Bureau and hold a shocking F rating. 

• They are not members of the Direct Sellers Association. 

• There are large concerns about the compensation plan and can be easily abused and run as a pyramid scheme. 

• Their products are over priced - similar products are available on Amazon at less than half the price, and often, much cheaper - making for a really hard sell. 

• No income disclosure statement available. 

This part of an Network marketing review I like to really shove my opinion to the side and display the hard facts for you to see how much you can make and how likely you are to achieve a liveable income. 

Unfortunately, 

for reasons best known to them CTFO do not disclose their income disclosure statement.

In their defence I will tell you that network marketing opportunities are not legally obliged to display one - only if they are publicly traded companies they are obliged to so by law. 

In lieu of an income statement I'll produce for you an table by consumer advocate Dr Jon Taylor and his findings on 250 leading MLM's after studying their compensation plans. 

Have a good look and read of the 4th and 5th from bottom, their misrepresentations and the naked truths and answer the following questions. 

1. Who are MLM opportunities significantly weighted towards?
2. Netwrk marketing opportunities are riskier than what? 

Answer below in the comments areas if you find the answers!. 

Yes, CTFO is a MLM business opportunity. This is easily determined and identified by their compensation plan paying out on more than one level - which meets the legal definition of a multilevel marketing company. 

The correct answer to this question depends on who you are talking to. I like to be concise, factual and legally correct in my answering of this tough question. 

A Pyramid scheme is illegal and for some I can understand why they label CTFO as a scam as, under certain circumstances and situations as I have indicated above they can be run as a pyramid scheme. 

However, 

rather smartly they have managed to skirt laws by having that retail element (which is optional, I add!) that prevents them from falling under the definition of a scam - they should however close this loop hold in their compensation plan and prevent them from being abused and turned into one. 

It is in my opinion that CTFO are not a scam as they are not technically breaking the law or causing you to be at a financial loss, deceiving you or committing any act of fraud. 

CTFO - Change The Future Outcome is an opportunity that you are best not to take up. 

When you look at their product pricing and all the commissions paid out over many levels, that all adds up to a very expensive product line.

Consumers these days are well informed and will find similar products for a third and even a quarter of the price that CTFO are selling them for - then you will have difficulties making sales. 

This is perhaps why there are few organic sales and incentive to whack recruits on a US$47.47 minimum purchases making for a psuedo-Pyramid scheme in operation. 

You have no need to complicate your life any more than it need to be.

My suggestion is that you give a good long serious though about your goals, how you want to make them happen give give some serious consideration to learning the skills that you need to succeed online. 

Affiliate Marketing is my Number 1 recommended way of making money online both for those just starting out online and those that are experienced. 

The reasons are pretty simple:

• No huge start up costs!
• No Stock to keep or manage!
• No Selling face to face!
• No huge investment involved - Get started with less than $20
• No Recruiting or networking required. 
• You can operate in any market you wish! - even your hobbies & passions!
• Earn a full time income & more!. No limit to your earning potential!. 

In fact...

I have managed to create and build a mid 4 figure passive monthly income and fully enjoy a life of travel to where I want and when I want and completely enjoy life and work when I choose to. 

This is all thanks to Affiliate Marketing!

To emulate my achievement of real freedom and the creation of a passive income stream, click the button below and watch the special video I have prepared for you.

Because MORE MONEY IS Waiting For You. The Question Is: WILL YOU TAKE IT?!?