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

CTFO Review - Legit Or Scam

Welcome To My CTFO Review!. 

Have you had the questions like Is CTFO A Scam? and Is CTFO A Pyramid Scheme? buzzing around your mind while curious about getting in on the CBD Oil Business? 

The problem with other "independent" CTFO Reviews out there that you see on the internet and social media is that some are connected to and associated with the company and seeking to get YOU into their downlines or push their CDB Oil product to you in order to gain a commission. 

This is hardly what I call impartial and quite despicable in my opinion and I am sure you agree!. 

Before I go any further - I am congratulating you for being smart, doing your research and reading a fully independent review.

This is how you avoid getting scammed and find the very best way of making money online.

This article is NOT sponsored by Changing The Future Outcome (CTFO) in anyway, I am not a distributor nor a promoter of the company in anyway what so ever.

It is not in my interest nor style to sing their praises about how wonderful they are or to tear them down.

Unlike other reviews you have seen I will be taking a fact and evidence based approach and helping you to take an educated decision regarding this opportunity. 

Are you ready to find out if CTFO is an scam or legit? 

Yes? 

Then keep reading!. 

CTFO Review

Product Name: CTFO CBD Oils


Founder(s): Stuart Finger. Steve Finger and Michael Khan.


Product Type: MLM Opportunity with CBD Oil products


Price: Free To Join.


Best For: Those that enjoy MLM opportunities and are good at selling and recruiting

CTFo Review

Summary: CTFO Is NOT a Scam. They are a legit business with a bonafide business model. However the whole Industry is unregulated and the second the government decides to regulate it or that you need a licence to sell CBD Oil, your business is up in smoke!


Rating: 30/100


Recommended: No!

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

 

More...

What Is CTFO?

CTFO (MyCTFO.com), Founded in 2015 by brothers  Stuart And Steve Finger and Michael Khan, is a network marketing company with a business opportunity in the CBD Oil and Hemp Oil sector. They are headquartered in London, United Kingdom.


The name CTFO is an abbreviation of Changing The Future Outcome

The original meaning of CTFO was Chew The Fat Off, as the business was fully rebranded from weight loss to CBD Hemp Oil Products. 


Their CBD is products are CO2 Extracted, Non-GMO and pesticide free using only organic ingredients and are cruelty free. 


During their manufacturing process it is claimed that they use only the highest quality and purest of organic ingredients with no heat processing or animal testing involved. 


Only recently they moved their headquarters from The United States to The United Kingdom.  


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. 

Steve FInger CTFO Founder


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 Founder Stuart Finger

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. 


Affiliate Marketing

Similar Companies and opportunities to CTFO include: 


  1. CBD Biocare
  2. Emris International
  3. Bocannaco
  4. HempSMART
  5. Zilis
  6. Kannaway
  7. HempWorx

These are are all network marketing opportunities competing in the CBD or Hemp oil space as CTFO. 

What Is CBD Oil?

CBD is a Cannabinoid, a compound found in hemp and cannabis and thus CBD Oil is simply this compound in a oil format. 


Cannabidiol is currently speaking an incredibly popular natural health compound used for a number of common health conditions. 


It far better known under the Abbreviation CBD, and is only 1 of over a 100 (104 to be exact) compounds that form part of the cannabinoids group of compounds that are found in marijuana, cannabis sativa.


THC or Tetrahydrocannabinol, the famed and principal psychoactive compound that also part of the cannabinoid family and associated with getting stoned and high. 


This compound THC is not present in CBD or any CBD oil product, it is an independent compound that forms part of the same family. CBD is NOT in any way psychoactive and will not get you high.


Given changes in certain legislation stateside and some very powerful marketing. CBD Oil is pretty hot and trending at the moment.

The CTFO Product Line

The Range of products by CTFO are very extensive ranging from Vapes, drops, creams, sprays, edibles like gummy bears! and even stuff for your pet!. 


Their product line clearly labels what each item is for in terms of health condition, such as skin care, weight loss, pain management and....hair growth (a bit late for me there!). 


Just to mention it, your are not going to sit on a park bench stoned or get high becuase you used one of CTFO's CBD Oil products!. 

Just to confirm also, CBD Oil is not going to cause you to fail a drugs test either. 

CTFO Review

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. 

CTFO CBD Oil has only what amounts to trace amounts - under 0.3% THC (Tetrahydrocannabinol). 


CBD Oil is said to benefit certain conditions and illnesses such as: 


  1. Pain relief. 
  2. Alleviate cancer.
  3. Reduce anxiety.
  4. Ease Parkinson's Disease and help with epilepsy.
  5. Aid Sufferers of Depression. 
  6. Help with acne
  7. Aid diabetes
  8. Reduce high blood pressure

While this may sound like some kind of wonder drug there is also evidence to the contrary. If you are seeking to use CBD Oil - always seek medical advise from a your family GP. 

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The CTFO Product Categories

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!. 

CTFO Product Category


  • CBD For Your Health 

This is the category where you will find their creams and emu oils which are said to aid in pain management. Other such products in this section aid your general well being assisting with energy, anxiety, digestion and fortilizing the immune system..


That is a lot of products for lot of different health purposes. The question is can CBD Oil actually benefit your health?. 


The real answer is both yes and no.


There is science that backs up both sides of the debate. Healthline here makes claims of yes, from an evidence backed approach. While WebMD likes to state the facts and question the evidence.

The CTFO Compensation Plan

CTFO is a MLM business opportunity and this means that you have 3 principle ways in which you can make money with this opportunity which are: 


  • 1. Direct Retail Sales: You work hard and sell CTFO Products and earn a commission  for your efforts.
  • 2. Recruitment: Promote the Changing The Future Outcome  business opportunity to family friends and others and earn pass up retail commissions in exchange based on your teams efforts to generate sales and get recruits also.
  • 3. Bonuses And Commissions: Work hard and work well, inspire and motivate your downline team to do the same and achieve predetermined goals and earn bonuses.

Getting Started With Changing The Future Outcome


It is claimed on the CTFO Website that getting started with them is completely free. 


Having checked their T&C's it most certainly is technically free to get started but this is an unrealistic expectation as you will absolutely need to get your hands on some products that you test out and demonstrate them at parties and to those that are interested in their products. 


Realistically speaking you will need a Business Builder Pack to get properly started Which will set you back anything from US$299.97 To US$1,299.97. 


No CTFO Website?


It appears that you are currently not given your own website to market and promote CTFO products or businesses but are given a referral code that your clients enter into the CTFO Website. 


As I say success breeds success and something that ALL - (yes ALL!) successful network marketer have is their own independent website - not a bland cookie cutter carbon copy site that every single member gets - which is typical of MLM opportunities. 


They have their own site that they host on their own domain - which serves as a very powerful marketing tool for them. 


To Succeed as a network marketer in any opportunity you will need to build your own website


With your own site you will have a very powerful tool that can and will: 


  1. Help you to establish your own brand and stand out from the crowd. 
  2. Get high quality leads and free traffic. 
  3. Automate Sales are recruitment. 
  4. Drive sales and recruits to your MLM opportunity. 
  5. Build a loyal client base that trust you and your brand.

You can and will only go so far with posting on Facebook, Instagram and other social media sites. 

CTFO Review - Is CTFO A Scam? #CBDOil #NetworkMarketing

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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.).

Changing The Future Outcome Multilevel Marketing Commissions


In order to qualify for commissions here A CTFO distributor hast fulfil one of 2 obligations as follows: 



  1. Spend a minimum of US$47.47 per month on CTFO products or
  2. Recruit and enroll as well as maintain a minimum of 10 affiliates or retail clients - each of which spend a minimum of US$47.47 every month. 

Changing The Future Outcome Retail Commissions


CTFO pay a straight 20% on all retail order as a commission. I have noted that there appears to be no difference between affiliates/distributors and retail clients in this aspect. 


Both are give an online store from which you can earn your 20% commission from.


CTFO Residual Unilevel Commissions


The unilevel compensation model is a very easy one to follow and con infinitely wide on level 1, your direct recruits and infinitely deep, the recruits that your recruits recruit. 


This plan is easy demonstrated with a visual diagram as shown below. 

Unilevel Compensation Model

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
Unilevel Uncovered

The illusion and problem of the Unilevel Compensation plan.


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.  

Changing The Future Outcome Matrix 3X21 Matrix

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. 

Is CTFO Accredited By The BBB?

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. 

CTFO BBB Rating

Are Change The Future Outcome A Member Of The DSA?

Any trustworthy and reputable direct selling company will join the Direct Selling Association - If an opportunity that you like the look of is not a member - walk away!. 


Membership to the DSA is not an easy one to obtain as qualification is very stringent, must the met and maintained. The vetting and auditing process for membership takes at least a whole year to complete before a company can pass and be confirmed as members. 


CTFO, Changing The Future Outcome are not members of the DSA and neither have their membership pending approval nor rejected. 


Having been in business since 2015, and the directors and founders experience in network marketing dating back to 1986 they have no excuses for not being members of such a well respected professional organisation. 

The Truth In Advertising & Marketing

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. 

Change The Future Outcome Reviews And Complaints

I checked for two types of Change The Future Outcome Reviews, one regarding their products and CTFO Reviews relating to the business opportunity. 


Many independent reviewers and website owners are reviewing their products well, particularly specialist CBD Oil review sites. As a Business Opportunity it is rather polemic withe many sites saying they don't represent a good opportunity at all due the difficult to succeed with Network Marketing Business model. 


They are well rated and reviewed on Trust Pilot for their products, but by only 2 reviewers. 


On Reddit CTFO are not well spoken of either now as a CBD Oil Business or Their Previous diet business - which ran from the same name but a different meaning for CTFO - Chew The Fat Off. 


There are a couple of concerning complaints regarding CTFO on the Business Bureau that I'd like to bring to your attention, I have reproduced those complaints below for your own reading and as evidence. 


It imperative that a network marketing opportunity has a first class reputation as, ultimately as their distributor it is your tree that your clients, be the family, friends or people that live in your locality will be barking up. 


Any problems in product quality, distribution or refunds and it is going to be a headache for you to deal with. 

CTFO Complaints
CTFO Reviews and Complaints

CBD Is An Unregulated Industry

 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!.

Are Their Products Organic?

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. 

Are Their Products Cruelty Free?

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

Is CTFO FDA Approved?

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. 

CBD Oil Side Effects

Just because a product is natural or comes from nature it does not mean there are no side effects. Anything that alters your bodies chemistry has the potential to have side effects.   


Some Side effects of CBD Oil as indicated by Very Well Health include:


  1. Anxiety.
  2. Changes in mood.
  3. Changes in appetite.
  4. Dizziness.
  5. Diarrhea.
  6. Dry mouth.
  7. Drowsiness.
  8. Nausea

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What I Liked About Change The Future Outcome

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.

What I Did Not Like About Change The Future Outcome

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. 
WA Success CTA

Can You Make Money With CTFO?

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. 

Income Disclosure Statement Substitute

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!. 

Affiliate Marketing

Is CTFO A Pyramid Scheme? 

There are some serious elements and concerns in regards to Changing the Future Outcome being a Pyramid Scheme


This is due to the compensation plan having no obligation for organic retail sales. It is completely feasible for a member/distributor to sign up pay the US$47.47 per month on products and get a whole bunch of other recruits to do the same in a chain reaction all the way doing their line/matrix.  


This within itself is a regulatory issue and has some serious compliance issues and perhaps why the have not applied for membership to the Direct Sellers Association. 


Any and every network marketing company that is generating a lack of organic sales is at some level or another a pyramid scheme and a zero sum game where you will only make money if another is losing money. 


Meaning all the big million dollar earners at the top - a million dollars is being lost somewhere in their downline below them. 


The good news for you is that it is very easy to find out and a micro level if the person you are signing up under is running a pyramid scheme or not. All you need to do is find out how your upline are qualifying for commissions. 


If it is via sales fine, if it is via the minimum US$47.47 products spend by recruits and is not balanced out by organic sales then your upline is running a pyramid scheme. 


You can use the table below, which is used by state legislators to determine is a MLM opportunity is a pyramid scheme or not. 

Elements Of A Pyramid Scheme

Is CTFO An MLM Business Opportunity?

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. 

Is CTFO A Scam Or Legit?

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. 

3 Common MLM Lies

CTFO Alternatives

There are no shortage of alternatives to CTFO as there are literally hundreds of network marketing opportunities that can consider as alternatives to CTFO. 


Also, there are new CBD Oil MLM starting all the time - here are just a few: 


  1. My Daily Choice
  2. Prime My Body
  3. Emris International
  4. CBD Biocare
  5. HempSMART
  6. Bocannaco
  7. Zilis

Multilevel marketing opportunities are in reality difficult to manage and succeed with as the odds are really stacked against you long before you even get started. 


This is why 99.7% of people starting a MLM opportunity end up losing money - meaning only 3 in 1,000 or 1 in 333 manage to at least break even. 


What makes MLM so difficult is you are rising the ranks as the companies would have you believe, you are building your team below you - your position in the whole scheme of it never moves up or down - no matter how many people you recruit or what title you achieve. 


A Much Better Alternative


Making money and succeeding in business while leveraging the power of the internet is something that anyone can do. 


As long as you are determined, have that will power to succeed and a couple of hours every week to dedicate yourself to building a successful business I am willing to share with you a very powerful and effective secret that the so called "experts" and "gurus" are not telling you. 


....and I strongly doubt that you would tell you either as they are all to happy to keep you hooked on their treadmill of one shiny object after another. 


Building a successful business in the digital world is easy and not as complicated as some make it out to be. To succeed online you don't need to spend a fortune on Facebook ads, using some complicated funnel building software, a done for you system or some magical business in a box!. 


It is far simpler than all that. At it's bare bones and stripped down to the naked truth building a successful online business is about following a proven 4 step process that anyone can follow and implement. 


Here is the 4 step process to building a successful online business...

4 Step Process To Making Money Online

Can you see how easy that is?. 


Now all that is left is to learn and develop the skills that you need to make the process work. Learning the skills truly are the "magic sauce" to succeeding online as they are transferable across multiple opportunities and business models. You can apply them in all sorts of situations to earn a living. 


Building a successful business and website is just one option. You can also: 


  • 1. Freelance online and set your own rate of pay and work schedule. You even scale up, build and agency and take on freelancers. 
  • 2. Start a new well respected high paying corporate career.

There are many more options. 


If you are serious and determined to build a successful business online Then Click Here To Get Your FREE Starter Account Now!. As a bonus and to keep you focused, motivated and on the right track I am offering FREE UNLIMITED Mentoring and coaching. 

My CTFO Review - The Final Conclusion

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. 

Making Money Online Is Easy CTA New

How I Make Money 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!

Proof WA Photo 1


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?!?

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Derek Marshall

Hi folks, I'm Derek and like yourself, I was struggling along in the digital world, and yes I got scammed once or twice..but not thrice!. I noticed most of these low quality programs and methods like surveys and yes...most MLM don't teach you the process nor the skills of earning money online. If you are willing to put in the effort and take the time to learn the process and the skills then do Try My #1 Recommended Program FREE For 7 Days and get personal mentoring from me as part of your bonus!.

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