After seeing some interesting product ads for CTFO CBD oil recently, I wondered, is CTFO a scam? There is a lot of hype surrounding CBD oil companies lately, and some companies are being reported as scams. CTFO claims to have the best CBD oil products and the best business opportunity for people starting a home business. This is a direct sales company, and I want to review the MLM Plan and see if it is legit. Is CTFO a scam or a legitimate business opportunity. Let’s find out.
Is CTFO A Scam
- Name – Changing the Future Outcome – CTFO
- Website – https://www.tryctfo.com
- Price – $24.97 up to Package Deals $799.97 (Preferred Pricing)
- Owners – Stuart Finger/Founder, Steve Finger/Co-founder,Micheal Kahn/Co-founder
- Quality – Excellent
- Overall Rank – 10/10
- Refunds – Full 60 Day Refund
- Verdict – Legit
Who is CTFO
CTFO is short for Changing The Future Outcome. They are a US based company, that formerly was a weight loss company know as Chew the Fat Off, formed back in 2015. Co-Founders Stuart and Steve Finger created the Patented Multi Level Marketing( MLM )company they have today. And Change The Future Outcome was born. This MLM is unique and different in structure that everyone receives commission only, even the people at the top.
They re-branded themselves in 2018, and started selling CBD products under the same company letters CTFO. Stuart Finger has always wanted to help others succeed and to produce the best quality product possible.The business is exploding!
CTFO is a company, founded by people who truly care about bringing good products and better health to everyone. The company name incorporated the standards they want to operate under. Changing the Future Outcome is about a healthier life for you. All their products are 100% organic and made in the USA.
CTFO CBD OIL Products
The CBD Oil CTFO is selling is claimed to be the best product on the market. If you look at the product, they don’t look much different than other CBD oils on the market. But, it is important the product is 100% Organic, and pesticide free, using only the highest quality hemp available. You will need to learn the best ways to set up your website, and I can teach you how to do that with the exact methods I used to set up my website
Here is some product examples that CTFO promotes.
Full Spectrum – CTFO – CBD OIL
The Full Spectrum CBD product contains all the Cannabinoids found in the Hemp plant. This is better for CBD quality
Using the Full Spectrum of Cannabinoids significantly improves the health benefits of CBD oil.
These include CBN (Cannabinol), CBG (Cannabigerol), and THCV (Tetrahydrocannabivarin) to name a few.
Full Spectrum CBD contains trace amounts (less than 2%) of THC (Tetrahydrocannabinol).
At less than 2%, the THC is such a trace amount, it does not produce any of the hallucinogenic properties of the Marijuana ( Cannabis).
The Full Spectrum CBD oil is available in 4 potency levels:
- 300mg – To Maintain Optimal Health.
- 500mg – Stronger to Stimulate Optimal Health
- 750mg – Slightly Higher to Maintain Immune System Health.
- 1500mg – Highest level to Support Antiviral and Natural Healing Capabilities.
The passage of the Farm Bill in 2018 has made CBD Oil (with less than 3% THC), legal to buy in all 50 states of the USA. CTFO is less than 2%, and below allowable limits. CTFO also makes a pure Isolate with Zero THC.
The Isolate CBD – No THC
This pure CBD Isolate product has a purity rate of 99% and ZERO THC. So, you would not have to worry about any drug testing. The daily dosage is the same for either the Full Spectrum CBD Oil, or the Isolate CBD oil.
Place ( Approximately 20 drops or 1/2 dropper) under the tongue twice daily.
It is recommended to start with 5 drops, twice a day for a week.
Then, increase by a few drops each week, twice a day, until relief is felt or reaching the maximum 20 drops, twice a day.
The Pure hemp CBD Isolate drops are available in
- 500mg – Slightly Higher to Stimulate Optimal Health.
- 1500mg – Highest Level to Support Antiviral and Natural Healing Capabilities.
For Chronic Conditions -10xPure Full Spectrum CBD Oil
CBD 10xPure delivers the maximum amount of CBDA and CBD to the areas of you body that need it most. This is exciting news for everyone suffering from Inflammation pain. It is also the perfect product for those who wish to detoxify there bodies as well.
CBDA ( Cannabidiotic Acid) is a naturally occurring substance used to create CBD in processing the hemp plant. CBDA contains more anti-inflammatory properties than CBD, and is also a potent inhibitor of COX2 .
The same action as over the counter non prescription products for anti-inflammatory pain relief.
10xPure is << Hydrophillic >>
CBD 10xPure is a supercharged CBD product. 10xPure is Hydrophillic. It mixes with water easily
This is a proprietary formula using covalent bonding that is easily absorbed into the body. Thus, allowing the oil to mix with the fluid in our cells. 10xPure is quickly absorbed into you body.
CBDA is normally converted by the body into the less effective CBD, just by passing through our bodies But 10xPure stops this from happening! Read more about CBDA Here
CBD 10xPure Patented Process – This Is Why It Is The Best CBD Oil
Basically, 10x Pure is a revolutionary way to deliver broad spectrum CBD molecules / oil to the body by using 10x supercharged oxygenated oil.
Supercharged oxygenated oil LOVES water, and mixes will with it. Since water is the main constituent of blood, the 10x Pure process allows us to transport natural, non-processed broad spectrum CBD throughout the bloodstream. This results in increased absorption and potency!
This is great news! The CBDA goes directly to the damaged parts of our bodies in it’s powerful unaltered state. The result is much greater healing power.
Every other product claiming to have CBDA, is going to be destroyed by the heat and acidic conditions of our own bodies. So you are not getting actual CBDA.
But, with the 10xPure you are getting pure, undamaged CBDA.
The 10xPure CBD oil’s PATENTED EXCLUSIVE process can only be purchased through CFTO
All products have a 60 Day RISK FREE Money back Guarantee.
This sounds like they do have some quality products, and they also have the 10xPure CBD patented, and it is only available through CTFO.
The CTFO MLM Plan – How It Works
Most MLM compensation plans revolve around creating your own team. The people you get to join under you are going to enable you to increase your income by sharing in their commissions as well. This is how most MLM’s operate.
The more people under you the more your income grows, as long as they continue to sell products. different action with this plan, is Additional People are Added to Your Team from Associates Above You! I will explain more on that later.
Let me try to break down the CTFO MLM Plan.
Four Ways You Can Get Paid in the MLM
- Retail Profit – Retail sales from your site
- Unilevel Pay – Commissions from your immediate Downline)
- Regenerating Matrix Pay ( (With copyrighted Profit Sharing Positions)
- Infinity Bonus Pay – (and Top Gun Pool)
Retail Customer – A Customer Buys Products At Retail
A Non-Member Customer Pays Full Retail Price, and If they buy CTFO Products through your Associate website, you keep the difference in product cost. This is earning money by Direct Retail Sales. This customer does not receive the 30% discount, and is Not eligible for The Compensation Plan.
Any retail customer can join CTFO for FREE, and receive a 30% discount automatically, and they automatically become a Preferred Customer Associate.
Preferred Customer Associates – Automatic 30% Discount
CTFO offers you a 30% discount just for becoming a member of their site. There is no fee, it is completely free. You can also receive an additional 5% if you choose to sign up for their monthly auto ship. No additional purchase is required.
As a Preferred Customer/Associate you also get(1) website for free. You can use it to build you own business or sell products. If you have never built a website before, I can show you what you need to d to get your website seen on the internet.
When a customer purchases a product at retail price from you, the profit you make is the difference between the wholesale price and the retail price.
Example A (selling product yourself)
A product costs $80.97 retail – The wholesale price is $59.97 – The difference is $21. Your profit is $21
Example B (selling on your CTFO website)
Product commissions you receive are 20% of Commission Volume or CV of the products you sell. Using the same $80.97 product as above, the CV is $29 x 20% = a profit of $5.80 is your commission on the product.
You can cancel at any time.
Qualified Associates – 30% Discount + Commissions
Associates become qualified for The Compensation Plan MLM when they make a purchase of $47.47. They also receive ( 2 ) websites, which they can use to introduce other Associates or use them to build their own retail business. They receive the 30% discount plus 20% CV commissions from any purchases made by the Associates(recruits) they enroll in CTFO.
This is a great option as well if you are looking for a scam free way to increase your monthly income. Plus, you receive a great product.
There is an optional method for qualifying. Instead of paying $47.47 a month yourself, You can enroll 10 people and have 2 people spending $47,47. This will qualify you for the MLM at no cost to you.
That’s it. there are no other requirements to qualify for the MLM plan. No requirement for recruiting, or earnings necessary. That is one important thing to look for to help determine if an opportunity is a scam, is a big up front cost.
Interested in Joining CTFO and making money? Here is a look at the MLM or The Compensation Plan
The Unilevel pay is the income you receive from you immediate Downline.
Anyone you recruit becomes your level 1 referral- income to you is 20% of the CV generated
So, any of your level 1 recruits pays you 20% on any sales they make.
Anyone they recruit becomes your level 2 referral and continues for 5 levels deep -pays 4% These recruits become the first level for your level 2 recruit
So, levels 2,3,4, and-5 will pay you 4% on any sales they make.
(20%+4% +4%+4%+4%) = 36% All the compensation from the Commission Volume value, or CV is paid out weekly at 100%. It keeps looking upward until all the CV is paid.
Regenerating Matrix Pay
In addition to the Retail and Unilevel Pay levels, is a separate pay called The Regenerating Matrix Pay. This is a 3 x 21 structure. Every Associate and Preferred Customer has a position in the CTFO structure. Each person can have no more that 3 people in their level directly below for the matrix pay.
This means Level One has 3 people, level two can have 3 in each of the three from level one, or (3×3)=9 possible people on level two,(3×9)= 27 people on level 3 and(3×27) = 81 on level 4, and so on. These matrix levels go up to 21 levels. They are not like the Unilevel which stops at 5 levels.
Here is the interesting part, it is referred to as spillover.
Matrix levels are forced down after the 3rd person, level one. This spillover causes people above you to force people down to you. They fill the first number 3 level that is open, or move to the next level as spots are open. This is how teams can grow from recruits of people above them.
CTFO Regenerating Matrix Pays out up to 21 levels and returns 100% of the CV value.
- 1% each from Matrix levels 1 to 5
- 10% each from Matrix levels 6&7
- 1% each from Matrix levels 8-21
It is entirely possible you will receive percentages from several levels at the same time each week. You could receive 20% from level I and 1% regenerating matrix pay. So, if the numbers can triple on each level, the 1% weekly pay from levels 8-21 could be a very large amount. *Note there are qualification requirements to receive your Matrix Pay*
The Matrix Qualification Requirements
You need 1 to 4 active people that you have enrolled yourself to qualify for the Matrix level.
One active personally enrolled person qualifies you for 1/4 total Matrix potential up to Matrix Level 7.
Two active personally enrolled persons qualifies you for 1/2 total Matrix potential up to Matrix Level 7
Three active personally enrolled persons qualifies you for ALL total Matrix potential up to Level 7
Four active personally enrolled persons qualifies you for All total Matrix potential up to Level 14
Team Volume Qualifications
When the above levels are achieved, the next qualifier is Team Sales Volume. Once again, You need at least 4 Active Personally Enrolled Persons (APEP).
$5K Personal Team Volume and Four APEP, qualifies you for all potential Regenerating Matrix pay for 16 levels.
$10k Personal Team Volume and Four APEP, qualifies you for All potential Regenerating Matrix pay for 18 Levels.
$15k Personal Team Volume and Four APEP, qualifies you for All potential Regenerating Matrix pay for 20 Levels.
$20k Personal Team Volume and Four APEP, qualifies you for All potential Regenerating Matrix pay for 21 Levels.
Team volume is calculated on a rolling 31 day cycle
You can see how important building a team becomes as you progress. The opportunity to make money definitely exists in this plan, but it does depend on having 4 Active Personally Enrolled People. This demonstrates how crucial recruiting is in the MLM structure.
Profit Sharing – Adding More Matrix Levels
This plan creates a new matrix and allows you to have additional Matrix Levels
Once you have 3 people in your standard (3×21) Matrix, your 4th person creates a new (3×21) Matrix. So you will create new Matrix Levels over and over on every 4th person.
You are always at the top of each of these new Matrix levels. They are filled by people you enroll, again recruiting is very important.
Infinity Bonus Pay – (and Top Gun Pool)
Infinite Bonus Pay is a percentage based upon your teams total CV earned for an infinite number of levels. This is exclusive for the top CTFO ranks. These are the TOP Producer Ranks.
The Vice President, all the way upward to Top Gun Ranks All qualify for the Infinity Bonus Pay. As you gain in rank your pay increases as shown in the table below. You receive the percentage increase plus and pay from lower levels.
Watch the video for a complete breakdown on The Compensation Plan
Pros and Cons of CTFO
- CTFO is an Ethical Company with a Pure Organic product
- No fees and free to join
- No front loading products – No Gimmicks or Gotchas
- Co-Founders get paid the EXACT same way as all members.
- Hybrid Plan (Matrix, Unilevel & Infinity)
- Only $47.47 or 10 customers and you maximize comp plan
- 60 Day Money Back Guarantee
- Offers non-CBD Products also
- Limited availability – Not all countries allow sales of CBD
- MLM Company – Need to recruit people eventually
- People who do nothing will hold back your team
CTFO is Legit
CTFO is an MLM, but it has a different approach. The commission structure is based on commission sales for everyone, not just the lower levels. It is not just a straight up to the top commission rate, where it bypasses people. And, It is also involves a Hybrid Plan (Matrix, Unilevel & Infinity).
It also allows recruits to move down with the spillover, filling voids and helping people underneath to increase in their ranks. This is one of the only plans i have ever seen that pushes people down to help the lower level advance. And it uses the entire sales of your team to increase commissions as well.
It is not a pyramid scheme, because it has a self supporting system of shared pay. A monthly purchase produces a constant supply of product sales as well.
It is not going to benefit only the top few. There is definitely big bonuses for top producers, but they are actually crediting people for work they have done as individuals regardless of where they are. That is incentive pay for top producers. That is the real grunt work in the MLM, expanding your team.
If you have any questions or comments please leave them below. I answer all my comments, and will get back to you promptly.