CTFO Review: Products, Compensation Plan & Reasons to Join

best ctfo productsCTFO is a network marketing company I was not familiar with until just recently. And from everything I have read online, I am VERY impressed with the company.

CTFO stands for Changing the Future Outcome.

Today, I am going to share a CTFO review. I’ll cover their products, compensation plan, leadership team and good to know information.

Disclaimer: At the present moment in time, I am not affiliated with CTFO. This post is for educational purposes only and we are not compensated by the company or affiliates for this post.

About CTFO

Stuart Finger has been involved in network marketing for many years. Since he was small, Stuart had a problem with obesity. When he discovered a product that would help him slim down, he decided to start a MLM Company with it.

In 2015, Stuart founded CTFO. He rounded up a success team to manage the company. Since its start, CTFO has been growing fast and steady.

The CTFO Management Team

Stuart knew that the bottom line to success was having a great management team. Some of his key people are:

  • Steve Finger – CEO and President
  • Michael Kahn – COO, Treasurer and Secretary
  • Steve Sakal – National Training Director
  • Meagan Harris – General Manager

Stuart and these four folks are running a great network marketing business that is gaining new representatives daily.

What I find most interesting is that ALL of these folks are distributors, just like everyone else. They do not receive a salary or corporate pay. Instead, they are compensated for building a team of their own.

The Top 10 CTFO Products

I am going to do this slightly different from my other top 10 posts. You see, CTFO is well known for their products that use hemp. Yes, CBD Hemp Oil, but it is not the kind of hemp you can get high off. This hemp does not have the “high” causing substance, THC.

CBD Oil has become quite popular as of late. It’s taking the MLM Industry by storm. CBD Companies are popping up left and right. I don’t see this slowing down or stopping any time soon.

CTFO has positioned themselves for great success in the CBD market, because they got started at the right time.They already have a great market share and they’re growing by leaps and bounds every month.

In the paragraphs below, I am going to give you the top 5 CTFO products that use hemp. But CTFO also has products that do not use hemp. So I will also give you the top 5 products in that line.

Top 5 Hemp Products

#5: CBD Chew Treats For Pets

Many pet medications have a lot of side effects and can damage your pet’s organs. These chews made with pure CBD oil have no side effects and can help treat seizures, nausea and stress. Each chew has 5mg of CBD oil.

#4: CBD Sleep Support Oral Spray

Combining the effectiveness of CBD oil with the power of Melatonin, this spray is designed to give you a peaceful, fulfilling sleep.

#3: CBD Anti-Aging Under Eye Cream

This cream is infused with CBD oil and a proprietary blend of ingredients that hydrates and erases aging signs mike fine lines and wrinkles. It also helps minimize puffy eyes and dark circles.

#2: Roll On CBD Pain Rub

This analgesic uses a cold therapy system. It is infused with 100mg of CBD oil as well as menthol. Just roll it on the areas where you have deep pain and soon the pain will diminish.

#1: CBD Oil Herbal Drops

CBD has been shown as a supporter of healthy immune systems, blood sugar levels and many other benefits to human health and well being. You just take a couple drops under your tongue to help you overall well being.

Top 5 Non-Hemp Products

#5: Vitamin C Skin Serum

Loaded with Vitamin C, this skin serum reverses aging effects on your skin and promotes the natural production of collagen to keep your skin healthy.

#4: Lash And Brow Growth Serum

Using a proven blend of ingredients, this product is designed to give you thicker and fuller brows and lashes. It is a great selling CTFO product. Many have noticed an extreme difference in their lashes.

#3: Anti-Aging Cream With Apple Stem Cells

This product utilizes a blend of apple stem cells and avocado oil to provide an excellent cream that erases signs of aging. Skin becomes brighter, tighter and younger looking.

#2: Chewoff

This cherry flavored snack bite helps you defeat hunger pangs and also provides needed energy. By chewing these tablets before meals, you eat less but still feel satisfied.

#1: Shakeoff

These great tasting meal replacement shakes are what helped the founder lose his pounds. They are full of vitamins and minerals and come in 2 flavors: chocolate or original. They are gluten free and are one of the most popular CTFO products.

CTFO Compensation Plan Overview

Here are a few quick facts about the CTFO compensation plan. The notes you see below are from the YouTube video you are about to watch.

  1. 4-part hybrid compensation plan
  2. All commissions come from the sale of products
  3. 30% discount below suggested retail
  4. All items have a CV, commissionable volume
  5. 100% of commissionable volume is paid out each month
  6. The difference between the price of the item and the CV is what funds the company and keeps it in business
  7. CTFO utilizes the unilevel compensation plan, paying 20% on level 1, and 4% on each level, from level 2 to level 5
  8. They have a very unique Regenerating Matrix Pay, which pays you 21-levels deep
  9. As you enroll new people, you can create additional matrixes (unlimited)
  10. They also have an infinity bonus pay


Yes, some people actually search for this term on Google. No, I am not sure why. CTFO is not a scam. The products are legit. You can be a customer or rep. It’s free to join and the products come with a 60-day money back guarantee. There is no financial risk. And, you only get paid through the legitimate movement of products. Enough said!

12 Reasons to Join CTFO

# 1: Free to Join

You can join CTFO for free. You are even eligible to earn commissions on your referrals without making a purchase yourself. You can create your free account without purchasing any products.

# 2 Great Product Variety

CTFO currently has more than 30 different products to choose from to include nutritional products, pet products and personal care products. Most of their products are made with CBD, but some are not.

# 3 Competitive Prices

Compared to most other CBD MLM Companies, CTFO has great prices on their products. From what I see, most of their products are in the $20 to $50 range. Some are a little bit less and others are a little bit more.

# 4 Free Website

When you join CTFO, you get a free website with your membership. You can share your replicated website with others and start retailing and recruiting, right from day one. This is pretty cool, because most MLM Companies charge $10 to $20 per month for a replicated website.

# 5 Generous Unilevel Compensation Plan

In my humble opinion, the unilevel compensation plan is the FAIREST compensation plan in our industry. The CTFO Compensation Plan is a great deal for the part-timer. Even the little guy can win, because he gets 20% commissions on his personal referrals. To me, this is really important, since about 98% of the people in our industry are part-timers.

# 6 No Balancing Legs

CTFO does NOT use a binary compensation plan, which is good. That means you don’t have to worry about balancing legs or only getting paid on your weaker leg.

# 7 60-day Empty Bottle, Money Back Guarantee

CTFO offers a 60-day empty bottle, money back guarantee. This is very rare in the MLM Industry. This means there is absolutely ZERO RISK to try the products.

# 8 No Forced Auto-Ship

Unlike most MLM Companies, CTFO does not require a forced auto-ship. Buy products whenever you want.

# 9 Great Customer Service

From everything I have read online, CTFO has great customer service. People actually answer the phones and emails. They are polite and willing to help their reps and customers.

# 10 CBD is Hot

Of all the different product lines in the MLM Industry, I cannot think of even ONE product line hotter than CBD. I anticipate this trend will continue for at least another five to ten years, as more people learn about CBD.

# 11 Timing

If there’s one thing I learned in this great industry, it’s that you want to join the right company at the right time. CTFO is still a young company and it’s just about to hit momentum. It’s not saturated. Now is the time to get in, before it becomes a household name.

# 12 No Kits to Buy

Unlike some MLM Companies that want you to invest $1,000 to $2,000 in products just to get started, CTFO does not front-load anyone or encourage people to buy starter kits. To me, this is like a breath of fresh air.

Final Thoughts

In review, CTFO is a well designed MLM Company. They offer great products at great prices, a fair compensation plan, and perfect timing. Whether you want to be a customer, part-timer or serious business builder, they have something to offer you.

What are your thoughts? Have you tried any CTFO products? Do you promote the business? If so, what has your experience been like? Leave a comment below to let me know what you think. I look forward to hearing from you.


  1. Company Website
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