Why should you join CTFO and the benefits behind this Free Program.

With everyone looking for a way, to find a income. Or, just a income at all ( With so many companies downsizing and lay offs around every corner ) This company is standing out. Not only are they standing out. But, helping people.With their Health and Their wealth. As the CEO/Founder Stuart Finger says. In every call. Or, email he sends out. I found this review page. Affiliate UNguru about it and why, you should really look at this Network Marketing Company and the best part. It’s Free to join.

Review of CTFO (Changing The Future Outcome).

The company claims to provide consumers with the best CBD oil products on the market. Along with an equally amazing ‘business opportunity’ for those that want to spread the word.

In this review, I’ll show you what you need to know…

What’s CTFO About?

CTFO (short for “Changing The Future Outcome”) is a US based network marketing company that specializes in CBD Hemp oil products.

Through my research I found that the company originally launched in 2015 as a weight loss MLM called Chew The Fat Off. Which is a bit odd.

I guess that didn’t work out very well for them. Which may explain why the founder (Stuart Finger) and CEO (Steve Finger) re-branded the company to “Changing The Future Outcome”, and started selling CBD products earlier this year.

Either way, there’s no denying the massive upward trend surrounding CBD oil products…

Many people are becoming aware of the potential benefits of CBD (Cannabidiol), so this is definitely a growing market with tons of potential for startups.

The question is though- is CTFO selling high value CBD products and offering a legitimate business opportunity, or is this really just some type of pyramid scheme?

To answer this question, let’s first take a closer look at the products themselves…

The CTFO Product Line

The CTFO product line is made up of various creams, drops and edibles that are rich in CBD oil.

And incase you’re wondering… no, none of these products will make you high!

CTFO CBD Oil Drops

CBD oil is derived from the Hemp and Cannabis plants, but it contains little to no THC (the part that makes you high). CTFO’s CBD oil apparently has zero THC, which means it is fully legal and compliant throughout all of the US and Canada.

Changing The Future Outcome sells a range of CBD products which fit into FOUR main product categories– health, anti-aging, nutrition and CBD for pets.

CBD for “health”. These products consists of CBD oil drops for general health and wellness benefits such as increasing your energy levels, decreasing anxiety, improving digestion and boosting your immune system among others. As well as CBD cream which is combined with Emu oil, and apparently helps with aches and pains.

CBD for “anti-aging”. CTFO’s anti-aging products consist of 15 individual products that range from hair regrowth treatment to ‘anti-aging serums’, skin creams and facial cleaners.

CBD for “nutrition”. The nutrition product category consists of edibles, oral sprays and capsules designed to help improve your mental and physical well being. Such as reducing stress, losing weight and getting a better nights sleep.

CBD for “pets”. Treats, drops, sprays and even CBD infused shampoo aimed at reducing anxiety and helping your pets live a healthier life.

As you can see… there are lots of products on offer here for a variety of purposes.

But are these legit products that will actually help you?

Well, (as a whole) the benefits of CBD oil are well documented and there’s no shortage of people who claim it helps them in various ways. From helping with anxiety, to muscle aches and even epilepsy.

However, whether or not CTFO itself is producing the “highest quality” CBD, for the best possible price, is another story.

The company certainly claims that they have the best CBD going…

We source our hemp from Industrial Hemp farms that produce some of the richest, CBD Hemp in the USA. Our CBD is completely isolated through CO2 extraction & crystal precipitation & is of the highest grade, pesticide free, Non-GMO hemp in the world

But that’s what they all say, right?

The company does provide lab testing results though, which does show the quality of the products. And while it is difficult to compare prices (given the sheer number of products and places you can buy) the prices seem fairly reasonable overall.

So I think it’s safe to say that these CBD products are legitimate.

However, just how amazing each individual product is,really something only you can decide. Obviously if you were going to be selling these products, you’d want to try them yourself to at least some extent.

That way you can know for sure that you are offering people real value.

Either way, I always recommend doing your homework before buying (comparing with other companies) and being cautious of bold claims about potential health benefits.

The CTFO Compensation Plan

The CTFO compensation plan outlines the ways associates can earn money within the business opportunity, and how much.

As with most MLM (multi level marketing) companies, this stuff can get pretty confusing and elaborate. In this section I’ll break this down as best I can to help you understand how it all works.

Getting started

Joining CTFO is 100% free.

Some CTFO promo sites I’ve seen are really emphasizing this too, using statements like “no gimmicks – no gotchas – no credit card required”.

And this is true for the most part. It is free to join and you can earn 20% commissions on any sales you make. Without ever needing to upgrade or qualify further.

This is no doubt a big selling point on the business opportunity side of things. Especially considering how there are startup costs involved with similar MLM companies like Kannaway and Hempworx.

However, if you want to qualify to earn from the core MLM pay plan (the meat and potatoes) you need to become an “active, qualified associate”.

Which means either purchasing $47.47 worth of product yourself OR maintaining at least 10 personally enrolled customers or associates.

There are some conditions attached to the latter option though. At least two of these retail customers need to be spending $47.47 a month and any recruited affiliates need to be fully “active qualified associates” themselves.

Ways You Can Earn Money

There are four main ways you can earn within the Changing The Future Outcome compensation plan:

  1. Retail Commissions
  2. Unilevel Commissions
  3. Matrix Commissions
  4. Bonuses (Infinity bonus and Top Gun bonus pool)

1) Retail Commissions

Earning retail commissions is all about selling the product itself, either in person or via your free replicated website.

If you prefer to sell in person, the idea is to buy the products at the wholesale price, and sell them at retail. If you sell online, you simply earn a set commission direct from CTFO once the sale has taken place through your site.

To understanding exactly how much you will earn from retail sales, you will need to analyse the CTFO product price list.

Using that price list I thought it would be helpful to illustrate the earning potential of selling the “300 mg Pure Hemp CBD Oil Herbal Drops”…

Example 1 (selling in person): The product wholesales at $49.97 and the suggested retail price is $65.97, which means you will make a profit of $16 for this product if you sell it in person. Or more if you want since you can set your own prices.

Example 2 (selling via your website): All products carry their own set ‘commissionable volume’ (CV), and retail commissions are based based on 20% of whatever the CV for a given product is. The CV of this product is 25, which means the commission is $5.

Now while it may seem like the first example is the way to go- it’s really not for most people.

Because ANYONE can buy at wholesale from the get go… without doing anything other than visiting your online store. So the whole ‘suggested retail price’ thing is a bit of a marketing gimmick, since who in their right mind would pay retail when they don’t have to?

The only people who would pay that price, are probably those who don’t use the internet. So when you boil it down, the REAL commission here is 5 bucks on that product.

That’s not too bad for a physical product, but without the remaining MLM components of the compensation plan, it’s not very exciting either.

2) Unilevel Commissions

This is where the MLM aspect of the pay plan starts.

This works on a ‘unilevel’ down line system. Where you are at the top of your down line, and anyone you personally recruit becomes your ‘level 1 referral’. Anyone they recruit becomes your ‘level 2 referral’ and so on, 5 levels deep and infinitely wide.

This income stream pays you 20% commissions on the CV of any level 1 referrals, and 4% of the CV generated within levels 2-5.

3) Matrix Commissions

This is a separate income stream with a separate down line, that every CTFO associate is automatically placed into upon joining.

This down line is not just made up of people you recruit, this down line is made up of every associate in this company. The way this works is you are placed into a ‘3×21 matrix’, where each associate can have a maximum of 3 people under them.

So you are at the top of your own ‘CTFO Regenerating Matrix ‘, and sooner or later you will have 3 people under you, who make up ‘level 1’ of your matrix. And they will each have 3 people under them, and so on, 21 levels deep.

So naturally there are going to be many associates above you (people in your upline). Which means associates will be ‘forced’ into your matrix downline from the efforts of people in the matrix above you.

Here are the commissions you can earn from this income stream:

  • 1% commission on the total CV generated within matrix levels 1-5
  • 10% commission on the total CV generated within matrix levels 6 and 7
  • 1% commission on the total CV generated within matrix levels 8-21

These commission rates are small, but this is where you can potentially generate a significant residual income over time. If you have enough associates under you.

Not sure why they made it 21 levels deep though, because it would literally take 15.69 billion people to fill this matrix (LOL). Obviously a lot more people than are even alive on planet earth.

Anyways, another important point to mention here is that you don’t begin earning at the full potential of this down line. You only earn a quarter of the above commission rates, and the levels you can earn from are capped.

This only increases as you achieve higher associate ranks (more on this below).

3.1) Profit Sharing Positions

In addition to standard matrix commissions, you can also earn extra income from the ‘Profit Sharing Positions’ (PSP) aspect of the compensation plan.

Here’s how this works in a nutshell:

  • You get 3 people under you in the matrix
  • Your 4th person goes under one of those 3 as normal, however;
  • That 4th person ALSO goes into a new matrix, with you at the top
  • This process repeats at every 4th person onwards which means you can have many matrices

So this means you are earning what you would normally earn within the regular matrix, plus income from these additional matrices that are automatically generated at every 4th person.

The amounts you can earn, and the qualifications, are all the same as before. Nothing changes except you have the opportunity to earn more money.

And since you are at the top of these ‘PSP’ matrices, there’s no spill over. So they are only filled by your efforts and your associates under you.

4) Bonuses (Infinity Bonus and Top Gun Bonus Pool)

The infinity bonus pool is made up of the total CV generated within your entire team.

Each rank from ‘Vice President’ on wards qualifies for this bonus, and each new rank advancement pays you a cumulatively higher bonus percentage. Up to a maximum of 19% of the CV generated within your team.

But you don’t just automatically earn that 19% once you’re at the highest rank. The system also takes into account what those under you are ranked, and divides the bonus up accordingly.

For example: If you are a ‘Senior Vice President’ ranked associate, you will earn a set 4% infinity bonus AND a 4% bonus of any CV generated within your matrix up to the next ‘Vice President’ ranked associate. At which point you would continue earning 4% commissions for CV generated under him or her.

So in this way the system looks to pay out the entire 19% bonus, but divides it up according to who is ranked what.

4.1) Bonuses (Top Gun bonus Pool)

The ‘top gun bonus pool’ is made up of 6% of ALL the CV generated within the entire company. And this amount, whatever it works out to be at the end of each month, is then distributed evenly to anyone who is qualified as a ‘top gun’ associate.

Understanding the ‘CTFO Associate Ranks’

As with most MLM companies, there are various ‘ranks’ within the company. Which rank you are at, determines what income streams you have access to, and how much money you can make within each.

I’ve touched on this a couple times so far. But the following is a full breakdown of how to qualify for each rank, and the income potential within each new rank.

Free Associate

This is your status when you first join the company. Anyone can achieve this status and it allows you to earn retail commissions of 20% of the CV generated from any sales you personally make.

1st Level Manager

How to qualify:

  • Personally enrol 1 qualified retail customer or associate

What you can earn:

  • 20% commissions from level 1 of your unilevel downline
  • 25% of total payable matrix commissions within levels 1-7

2nd Level Manager

How to qualify:

  • Personally enroll 2 qualified customers or associates

What you can earn:

  • 20% commissions from level 1 of your unilevel down line
  • 4% commissions from level 2 of your unilevel down line
  • 50% of total payable matrix commissions within levels 1-7

Senior Manager

How to qualify:

  • Personally enrol 3 qualified customers or associates

What you can earn:

  • 20% commissions from your level 1 unilevel downline
  • 4% commissions from levels 2 and 3 of your unilevel downline
  • 100% of payable matrix commissions within levels 1-7

Executive Manager

How to qualify:

  • Personally enroll 4 qualified customers or associates

What you can earn:

  • 20% commissions from your level 1 unilevel downline
  • 4% commissions from levels 2, 3 and 4 of your unilevel downline
  • 100% of payable matrix commissions within levels 1-14

Vice President

How to qualify:

  • Personally enroll 5 qualified customers or associates
  • Maintain at least $25,000 in personal team monthly volume (total sales volume within your unilevel down line)

What you can earn:

  • 20% commissions from your level 1 unilevel downline
  • 4% commissions from levels 2, 3, 4 and 5 of your unilevel downline
  • 100% of payable matrix commissions within ALL 21 matrix levels
  • 4% infinity bonus commissions

Senior Vice President

How to qualify:

  • Same as Vice President, but with $50k in personal team monthly sales volume

What you can earn:

  • 20% commissions from your level 1 unilevel downline
  • 4% commissions from levels 2, 3, 4 and 5 of your unilevel downline
  • 100% of payable matrix commissions within ALL 21 matrix levels
  • Up to 8% infinity bonus commissions

Executive Vice President

How to qualify:

  • Same as Vice President, but with $100k in personal team monthly sales volume

What you can earn:

  • 20% commissions from your level 1 unilevel downline
  • 4% commissions from levels 2, 3, 4 and 5 of your unilevel downline
  • 100% of payable matrix commissions within ALL 21 matrix levels
  • Up to 12% infinity bonus commissions

Presidential Director

How to qualify:

  • Become an active and qualified Executive Vice President and;
  • Maintain 3 other active and qualified Executive Vice Presidents on separate unilevel legs

What you can earn:

  • 20% commissions from your level 1 unilevel downline
  • 4% commissions from levels 2, 3, 4 and 5 of your unilevel downline
  • 100% of payable matrix commissions within ALL 21 matrix levels
  • Up to 13.75% infinity bonus commissions

Senior Presidential Director

How to qualify:

  • Become an active and qualified Presidential Director and;
  • Maintain 3 other active and qualified Presidential Directors on separate unilevel legs

What you can earn:

  • 20% commissions from your level 1 unilevel down line
  • 4% commissions from levels 2, 3, 4 and 5 of your unilevel down line
  • 100% of payable matrix commissions within ALL 21 matrix levels
  • Up to 13.75% infinity bonus commissions

Senior Presidential Director

How to qualify:

  • Become an active and qualified Presidential Director and;
  • Maintain 3 other active and qualified Presidential Directors on separate unilevel legs

What you can earn:

  • 20% commissions from your level 1 unilevel downline
  • 4% commissions from levels 2, 3, 4 and 5 of your unilevel downline
  • 100% of payable matrix commissions within ALL 21 matrix levels
  • Up to 13.75% infinity bonus commissions

Senior Presidential Director

How to qualify:

  • Become an active and qualified Presidential Director and;
  • Maintain 3 other active and qualified Presidential Directors on separate unilevel legs

What you can earn:

  • 20% commissions from your level 1 unilevel down line
  • 4% commissions from levels 2, 3, 4 and 5 of your unilevel down line
  • 100% of payable matrix commissions within ALL 21 matrix levels
  • Up to 13.75% infinity bonus commissions

Senior Presidential Director

How to qualify:

  • Become an active and qualified Presidential Director and;
  • Maintain 3 other active and qualified Presidential Directors on separate unilevel legs

What you can earn:

  • 20% commissions from your level 1 unilevel down line
  • 4% commissions from levels 2, 3, 4 and 5 of your unilevel down line
  • 100% of payable matrix commissions within ALL 21 matrix levels
  • Up to 13.75% infinity bonus commissions

Senior Presidential Director

How to qualify:

  • Become an active and qualified Presidential Director and;
  • Maintain 3 other active and qualified Presidential Directors on separate unilevel legs

What you can earn:

  • 20% commissions from your level 1 unilevel down line
  • 4% commissions from levels 2, 3, 4 and 5 of your unilevel down line
  • 100% of payable matrix commissions within ALL 21 matrix levels
  • Up to 15.5% infinity bonus commissions

Executive Presidential Director

How to qualify:

  • Become an active and qualified Senior Presidential Director and;
  • Maintain 3 other active and qualified Senior Presidential Directors on separate unilevel legs

What you can earn:

  • 20% commissions from your level 1 unilevel down line
  • 4% commissions from levels 2, 3, 4 and 5 of your unilevel down line
  • 100% of payable matrix commissions within ALL 21 matrix levels
  • Up to 19% infinity bonus commissions

Top Gun

How to qualify:

  • Become an active and qualified Executive Presidential Director and;
  • Maintain 3 other active and qualified Executive Presidential Directors on separate unilevel legs

What you can earn:

  • 20% commissions from your level 1 unilevel down line
  • 4% commissions from levels 2, 3, 4 and 5 of your unilevel down line
  • 100% of payable matrix commissions within ALL 21 matrix levels
  • Up to 19% infinity bonus commissions
  • An equal share of 6% of the total CV generated company wide each month

Verdict – Is CTFO a Scam or Legit Opportunity?

From what I can see, CTFO is not a scam.

The company is selling legitimate products that seem reasonably priced. And the CTFO business opportunity does offer people a chance to create a good income over time and with effort.

I personally love the potential of this product too, so I prefer this niche to your typical ‘health and wellness’ MLMs. I highly recommend to get started Free Today !

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