My CTFO Review – An Overview Of This Health MLM Company!

In this CTFO Review, we will look at the company Changing The Future Outcome, shortened to CTFO. This is an MLM company with cannabidiol (CBD) oil products

  • Product Name: CTFO
  • Website:
  • Price: $24.50 – $160.00
  • Owners: Stuart Finger (Founder) & Steve Finger (CEO)
  • Overall Rank: 1

CTFO Overview

CTFO (Changing The Future Outcome) is a multi-level marketing (MLM) company that is located in the US. In 2015, Stuart Finger invented CTFO as a wellness and fitness company under the name “Chew the Fat Off.” The company was rebranded to “Changing the Future Outcome” in early 2019.\

The company specifically operates with the intention of creating a market network for hemp and Cannabidiol (CBD) oil products. CTFO claims to hire members on their website to enable them to sell their products while working from home by simply becoming associates or affiliates. It is possible to make an income by being a CTFO associate.

With the legalization of cannabis in most states in the US, more people are increasingly becoming aware of the potential health benefits of CBD products. Therefore, CTFO has experienced significant growth in the number of its users. Customers who would like to obtain CBD products can sign up for the CTFO program and meet the sellers on the network.

CTFO Review Pros and Cons


  • It is 100% free to join the CTFO website. CTFO affiliates are entitled to a commission of a specified percentage depending on their ranks on all products they sell.
  • Affiliates can obtain their payment membership rights on the CTFO program either by purchasing products amounting to $48 or simply by maintaining 10 active associates. They also obtain a free website that is maintained for them.
  • CTFO brings a wide variety of products and services right to the customer through its website and provides on-time shipping services and great customer service.
  • Laboratory test results are provided by the CTFO to ascertain the legitimacy and quality of the products that are available for sale or purchase. This ensures that the CTFO product line offers 100% pure hemp.


There are difficulties in obtaining and convincing customers to buy your product due to the negative aura surrounding marijuana. This is also the case because not all federal states in the US have legalized marijuana. Therefore using CTFO as an MLM, requires exceptionally high marketing skills.

Some CBD products that are purchased online may be of poor quality while being advertised as the best quality. This is especially for the claim of the amounts of THC content in different products.

Further, laboratory test results can be sabotaged for products to gain entry into the market. There is little proof of the products provide the expected results since CBD is not approved by the Food and Drug Administration (FDA).

Who CTFO Is Meant For?

My CTFO Review - Associates gathering to formulate a business plan

Besides the associates who promote product marketing on the CTFO market platform, customers too benefit from the program.

Different products on CTFO are meant for different purposes and therefore the CTFO product line caters to three further sub-groups:

1. People who require CBD for health improvement and nutrition purposes can obtain CBD products from CTFO. CBD has been studied to solve health issues such as indigestion and boosts immunity. It also helps with anxiety and sleeping disorders.

2. Aging people may require CBD products since the products contain various anti-aging content.

3. Pets. CBD-infused shampoo, orals, and sprays are also available on the CTFO product line to improve health and reduce anxiety in pets.

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CTFO Tools and Training

To market your CBD products, CTFO Corporate Support provides the following tools:


The website enables you to advertise, provide product information, and sign up new team members. It is 100% free. You choose a website name to complete the URL.

Recruiting Page

My CTFO Review - Building Your Network

This page is located on the main website where the recruitment of new members or associates takes place.

Visitors to your website obtain joining benefits, CTFO compensation plans, and informative videos on this page.

CTFO Bank Office Portal

On the Bank Office Portal, all major business is handled such as website management, personal information, payments, and commissions. Reports can be run here, viewing your hierarchy and pieces of training.

This is the most important part of the website. Corporate support is offered to all CTFO affiliates. Special marketing membership services can also be offered to team members.

CTFO Supporters

The US law due to the legalization of cultivation and use of marijuana supports CTFO. Stuart Finger and Steve Finger run the company.

CTFO Pricing Rates

The CTFO offers its pricing rates at wholesale and below pricing. Wholesale prices are those, which are paid on products regardless of whether you are a customer or an associate of CTFO.

Auto-ship Price

This is the charge on auto-ship orders. Customers who want their product automatically shipped to them each month create auto-ship orders.

These orders can be modified or canceled at any time. Auto-ship orders are optional and they give a 5% discount below the wholesale pricing.

Commissionable Volume (CV)

The amount on which you are paid a commission is the CV. Personally signing up an affiliate or referring a customer earns you a 20% commission on the CV.

Suggested Retail Price

This is the expected retail price of products at ordinary stores. However, products are always purchased at wholesale or 5% below wholesale price depending on the auto-ship option.


Offered on 3-pack purchases of CBD oil drops.
$50 discount offered to affiliates who purchase online visitors along with a bottle of CBD oil.

Final Thoughts

The CTFO is a legitimate business as long as it sticks to promoting its product. However, there are some negative opinions related to the use of cannabis among people especially those who are not familiar with the health benefits of CBD products.

Bringing CBD products right to the customer is very essential. However, becoming an affiliate of CTFO requires plenty of hard work and high-quality marketing skills.

VERDICT: CTFO is a legit business that can earn its affiliate’s income through the marketing of various CBD products, and making referrals to customers or other affiliates.

The products bring great health benefits and I am always positive to a company that serves a need will help people.

As for the business part of the company, Like other health and wellness MLM companies, I am not ready for them at this time. I have gone through this form of making money for years and decided to change to Internet marketing which has proven to be better for me.

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12 thoughts on “My CTFO Review – An Overview Of This Health MLM Company!”

  1. The popularity of CTFO is growing by the day which means a lot of people are getting involved into the program and I just feel that it would be a matter of time before it becomes diluted with a lot of people because a lot more people are knowing about it on a daily basis.

    It is a good business opportunity but like was said in this post it is going to require a lot of work if one decides to become an affiliate for this company.

    I have seen a lot of people recently promoting this product and I think to better succeed in this might be when it is done online. That is just my opinion anyway and I am sure everyone has their own opinions. 

    • Jay, you are so right about the growth of this company and the seasoned marketers would jump on a business like this just to get in at the early stage.

      The hard work that anyone put out in any business is a learning curve that would never leave you. the skills you acquire will stay with you forever. that is why successful people can market any product.

      Researching a product and coming up with an opinion about the product is something that we marketers have to live with. Success is never an easy journey. Was nice chatting with you.

  2. It’s good to know that Changing the Future Outcome (CTFO) is a legit business. That’s the only important thing we wanted to be assured of when engaging with a certain platform. 

    The only problem with MLM is that your commission only depends on the number of downlines you put up. But the good thing about it is that there is a product where you can earn a commission in case you cannot make it with the multilevel scheme.

    Are those products being exported everywhere in the world if it happens there are buyers from a nation that prohibits marijuana?

    • Legitimacy is key to joining a business online, you are right about \that. lots of scams out there so one has to be careful and do their due diligence before joining a company.

      Building a downline is not anyone in the industry can accomplish. And if your commissions are based on that it would be hard to develop a full-time income. But with CTFO that is not the case. As you rightfully said, you can build your income with product purchase.

      You may be wondering, are my CBD products even legal to sell?. The short answer is yes, but CBD marketing is a little trickier than you might think. The DEA has clarified their stance on CBD, and according to the 2018 US Farm Bill, hemp-derived CBD is legal for commercial use as long as the THC percentage of the product remains below .01%. Hope that helps!

  3. Hi Bishop 

    I have read your product review with all necessary information about My CTFO. It is a great affiliate marketing website to make money from home. CBD is a great product which is very much helpful for the human body and health.CBD oil is an awesome product which is used to boosting our general health and well being. I am going to share it with my friends and relatives. Thanks for sharing this informative article.

    • Yes, I am a regular customer of their products especially CBD oil, and it does help me on my day to day activity, keeping my mind clear and alert. the energy that I receive is surpassed none I ever come across. a great company with a winning product is great for any marketer. 

      Happy to know that this review was informative and you are also a user of CTFO products. I believe that this company will experience huge growth this year. Thank you for stopping by.

  4. Thanks for sharing this article. It’s exactly what I was looking for, thank you for the solid review. I have been buying CBD candies for a few months and love the effects but they are not cheap. Not only a good product but also a good opportunity. Your updates are always informative, looking forward to read more on your site. 

    • Thank you for the kind words and happy to know that you are already using CFTO products. And yes, if a company can provide a good product/s, and there is an opportunity attached to it, is a win-win for anyone that sees the value.

      Thank you for coming back to my website and leaving a comment, I value your input and always willing to shed some light to my readers. All the best.

  5. I had always discouraged anyone I see diving into multilevel marketing but ever since I heard and read about CTFO; That was when I got to know the beauty of MLM. The product is not too expensive and it is highly durable.

    I have been researching this form of income generating for some time now and I have seen some great reviews.

    Thanks for the heads up on this product called CTFO. I have heard of the creators and they do have a good reputation according to many people that left comments in different places on the internet. 

    Thanks for this eye opener

    • I am still members of a few MLM companies and still earns commissions, so the MLM structure is good but difficult unless you are a seasoned marketer. CTFO products are helping people and that is the reason for such fast growth. and as you mention, it is not too expensive.

      The company is new, and maybe a perfect time to join as an affiliate. glad that I was able to provide a positive review on CTFO, and if you decide to give it a try, focus on your audience and you should be fine. All the best.

  6. HI,

    After reading the review about CTFO, I have understood the real scenario of this product, it’s pros and cons and it’s affiliate opportunity. I have found that CBD oil is going to be popular day by day. But after reading about it’s con’s section, I have a little bit concern about it’s legality in every country. Is it really available for all country? I am going to bookmark your article for more study. Thanks for writing this informative product review.

    • CTFO is growing, and after they see the outcome of certain people all over the world, it will be impossible to restrict this product. The market now is huge, and it is growing daily. happy that you had a thorough read on the pros and cons. keep in mind that may change in the near future as its popularity grows. No pros and cons of any product are set in stone.

      The DEA gives their stipulation on CBD and according to the 2018 US Farm Bill, hemp-derived CBD is legal for commercial use as long as the THC percentage of the product remains below .01%.


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