CTFO Reviews [CBD Oil Better VS HempWorx Products?!]

This Is One Of CTFO Reviews You've Come Across On The Web. But This Post Contains Information Affiliates Should Know Before Investing In MLM. Is It Better Than HempWorx Products Or Not At All? Learn Here To Find Out.
This Is One Of CTFO Reviews You've Come Across On The Web. But This Post Contains Information Affiliates Should Know Before Investing In MLM. Is It Better Than HempWorx Products Or Not At All? Learn Here To Find Out.

Welcome to my CTFO Review!

There are various CTFO reviews I’ve come across with on the web. From bloggers to the distributors, who have undergone the experience of selling their product line to people, they mentioned this Multi-Level Marketing company is incomparable to their closest rival, HempWorx.

Before I dig into the itty-bitty details of my CTFO review, I’d like you to fasten your seatbelts as we go through the brutal and honest, as well as comprehensive review. This lengthy post will help you decide joining the company is worth your while or just a waste of time.

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To help you in this critical decision, it’s best to gear up with your online business and affiliate skills with our 4-step proven and legitimate strategy to earn more in an MLM just like CTFO.

Are you ready? Let’s dive into this post. Shall we?

CTFO Review - Quick Summary

Name: Changing The Future Outcome (CTFO)

Founders: Stuart Finger, Steve Finger, & Michael Kahn

Type: Multi-Level Networking Company

Price: $34 and up

Best for: People who wanted to start a business and benefit CBD as a side income and source of health benefits

CTFO Reviews Logo

Summary: CTFO is a networking company selling CBD. Just like HempWorx, they provide products from oils to pet care using the high quality hemp with compliance in Federal limit.

Is CTFO Recommended? No, albeit the positive reviews.


What Is CTFO? 

Stuart Finger launched CTFO as a weight-loss program short for "Chew The Fat Off." To him, it's "Changing The Future Outcome."

The company is structured as a Multi-Level Marketing company encouraging others to succeed in the business with tens of thousands of distributors and 100,000s of customers under their belt.

Over time, they focused on creating top quality nutritional products until they launched new Hemp CBD oil product line recently. The new move caused rumors about what's lying underneath the surface.

Important Background Information

First of all, CTFO doesn’t have records in Better Business Bureau although they’ve been in the industry of networking company for years.

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Prior to CTFO, Stuart Finger has been into the health and wellness for years and founded GBG (Guided By God) nutritional product line in 2007. But the business failed.

CTFO comprise 4 founding members, including Finger himself. Along with him are Steve Finger (CEO and President), Michael Kahn (COO, Treasurer and Secretary), Steve Sakal (National Training Director), and Meagan Harris (General Manager). They work hand in hand to grow CTFO as a leading Multi-Level Marketing company.

What Do They Offer?

With the CBD oil product line, CTFO offers various products, which HempWorx does to their customers and their distributors, which is categorized into health, anti-aging, nutrition, and pets.

Like HempWorx, they also farm their own CBD Hemp with an extracted CO2 and crystal precipitation. They claim their products are of highest grade, free from pesticides, and are non-GMO.


1. 10x Pure Full Spectrum CBD Oil Drops

  • SRP 500mg for $130.97, 1500mg for $210.97 
  • Distributor's price 500mg for $99.97, 1500mg for $159.97

2. 500 mg Ultimate Deep Healing Pain Cream

  • SRP $105.97
  • Distributor's price $79.97

3. Full Spectrum CBD Oil Drops (equivalent to 50 servings)

  • SRP 300 mg for $65.97, 500mg $80.97, 750 mg for $90.97, and 1500mg for $130.97
  • Distributor's price $49.97, 500 mg for $59.97, 750mg for $69.97, and 1500mg for $130.97
  • Discounted packages are available during the checkout process.

4. Isolate CBD Oil Drops (99% pure CBD)

  • SRP 500mg $80.97, 1500mg for $130.97
  • Distributor's price 500mg for $59.97, 1500mg for $99.97
  • Package discounts available during checkout

5. Ultimate Deep Healing Pain Cream With Emu oil

  • SRP 1 oz for $50.97, 2 oz for $65.97
  • Distributor's price 1 oz for $37.97, 2 oz for $49.97

6. Pain Fre-eze Rub With Rub CBD Hemp oil

  • SRP for $50.97
  • Distributor's price of $36.97

7. Roll On Pain Rub + 100mg CBD

  • SRP of $85.97
  • Distributor's price of $59.97

Anti-Aging Products

1. CBD Hair growth 4-Step System with Anagain

  • Shampoo (SRP of $65.97, Distributor's price of $49.97)
  • Conditioner (SRP of $65.97, Distributor's price of $49.97)
  • Leave-In (SRP of $65.97, Distributor's price of $65.97)
  • Hair Mask (SRP of $80.97, Distributor's price of $59.97)

2. Pure Hemp CBD Vitamin C Anti-Aging Cream

  • SRP of $50.97
  • Distributor's price of $35.97

3. Massage oil with Anointing oil

  • SRP of $45.97
  • Distributor's price of $34.97

4. Dead Sea mud mask with Vulanus Kaolin

  • SRP of $65.97
  • Distributor's price of $49.97

5. Your Majesty Queen of all Creams Moisturizing Cream

  • SRP of $55.97
  • Distributor's price of $39.97

6. Pure Hemp CBD Insta-lift Instant Wrinkle Remover

  • SRP of $55.97
  • Distributor's price of $39.97

7. Pure Hemp CBD AM/PM Anti-Aging Moisturizing Cream

  • SRP of 50.97
  • Distributor's price of $36.97

8. Pure Hemp CBD Anti-Aging Cream with Apple Stem Cells

  • SRP of $55.97
  • Distributor's price of $39.97

9. Pure Hemp CBD Neck and Decollete Anti-Aging Cream

  • SRP of $55.97
  • Distributor's price of $39.97

10. Pure Hemp CBD Overnight Skin Rejuvenator

  • SRP of $50.97
  • Distributor's price of $34.97

11. Pure Hemp CBD Collagen Retinol Anti-Aging Cream

  • SRP of $50.97
  • Distributor's price of $36.97

12. CBD Ultra Moisturizing Body Butter

  • SRP of $54.97
  • Distributor's price of $37.97

13. Pure Hemp CBD Anti-Aging Under Eye Cream

  • SRP of $50.97
  • Distributor's price of $34.97

14. Pure Hemp CBD Daily Facial Cleanser

  • SRP of $40.97
  • Distributor's price of $25.97

15. CBD Facial Toner

  • SRP of $49.97
  • Distributor's price of $34.97

There are actually more products they offer on CTFO shop, which are claimed to be helpful to ease the ongoing pains of their customers, desperate for something to alleviate their pain. The variations provide more options and are cheaper in comparison to HempWorx, which are approximately $20 higher.

What Do You Get When You Join CTFO? 

You don’t need spend for any activation fee once you decide to register as one of CTFO’s members. In fact, you’re free to join the company and start your business right away. You can do so online and sell in person. Below is the summary of the advantages you’d get upon registration.

CTFO Reviews Member Benefits Upon Registration

Aside from FREE starter, you're going to get a bunch of stuff upon registration.

If you want to boost your network marketing income, when you intend to invest in this company, you need to learn the fundamentals of online business and succeed. Learn the 4-step proven method Roope teaches and master them to make use of CTFO’s benefits at its maximum.

How To Join CTFO?

You can simply go to their official website and hover the top menu to “Shop Now.” Once you do, you’ll see the dropdown menu “Become an Associate for FREE” and click it to direct you to their onsite registration form.

Fill in the required information and click continue to see the products you intend to buy as your starter. After you choose the products, you proceed to the next step. It’s as easy as that and you’re good to go.

CTFO Compensation Plan

Just like any other MLM payout system, CTFO provides commissions to their distributors  in accord to the ranks they belong to. From the lowest rank to an executive position, you’re likely to earn at least 0.25% payout to 1% weekly payout.

Optimized-CTFO Reviews Compensation Plan

CTFO's Compensation Plan Based on Ranks, Along With Qualifications To Earn Payouts & Bonuses

How To Make Money With CTFO?

Based on their compensation plan, they provide 3 ways for every distributor to earn money by selling different products. You have,

  • Unilevel Pay Bonus (depending on required rank)
  • Weekly payout worth 0.25% to 1% (see compensation plan above)
  • Infinity Bonus

1. Unilevel Pay Bonus


  • Sponsorship Level: Level 1 (personally enrolled)
  • Unilevel pay: 20%

2nd Level Manager

  • Sponsorship Level: Level 2
  • Unilevel pay: 4%

Senior Manager

  • Sponsorship Level: Level 3
  • Unilevel pay: 4%

Executive Manager

  • Sponsorship Level: Level 4
  • Unilevel pay: 4%

$25K Vice President & Higher

  • Sponsorship Level: Level 4%
  • Unilevel pay: 4%
CTFO Reviews Compensation Plan Unilevel Pay with Full compression

CTFO's Unilevel Pay along with the commission value

When it comes to their Infinity Bonus pay, they implement with full compression in accord to the ranks from $25K Vice President to Top Gun. Below are specific percentage of pays for the entire Team Commission Volumes:

$25K Vice President - 4%

$50K Senior Vice President - Plus 4%

$100K Executive Vice President - Plus 4%

Presidential Director - Plus 1.75%

Senior Presidential Director - Plus 1.75%

Executive Presidential Director - Plus 3.5%

Top Gun - Plus 6% of the entire CV (shared pool)

To fully leverage your income and make use of CTFO’s lucrative business by selling their CBD oil product line, learn the 4 fundamental steps in building your business as an affiliate. Grab your FREE copy of our Ultimate Make Money Online.

CTFO Reviews - What Others Say?

As far as my research goes, CTFO reviews comprise the positive notes from both the consumers and distributors. Although they’re market shares with another CBD oil network company, HempWorx, their market price says it all. They’re approximately $20 less (SRP) and $40 if you are one of their members.

A consumer named Natalie mentioned that CTFO provides great products, along with great customer service and awesome business opportunity, as Forbes predicts that Hemp business increases to 700% by 2020.

"I am currently using CTFO's 500mg CBD Oil and have been for the last 2 months. I'm happy with the product, the service and ship time," a customer named Phil wrote. Further, he's very satisfied with the product he's using and promises to continue using them.

A distributor stated that unlike HempWorx, CTFO doesn't forcefully purge someone who wanted to purchase new products upon registration every 60 days. Further, she testified that the affiliates earn more money just as the MLM should be.

When it comes to the product, CTFO does smell the hemp compared to HempWorx with peppermint. The only issue here is the legality of the distribution of CBD oils to the rest of the states because not everyone in the US legalize the use of hemp for supplement purposes.

Pros & Cons of CTFO as an MLM


  1. Not all Federal states in the US (and even international) legalize the use of hemp 
  2. The networking company is in the works on distribution of CBD oils to as many peoples as possible.
  3. Requires high skills in sales & marketing to sell CBD oils, especially using hemp as supplement isn’t totally acceptable to some


  1. Cheaper than HempWorx
  2. Product line made of real to almost pure 100% hemp
  3. CBD oil is a growing industry at a macro scale
  4. Free registration for affiliate
  5. Start business with ease (inclusion of website during registration)
  6. Great customer service with friendly staff to reach out when in trouble
  7. On time shipping date unlike HempWorx’s delayed product deliveries

CTFO Reviews Conclusion

Overall, in comparison to my previous review about HempWorx, obviously one of their closest competitor and the company who’s been compared to CTFO, they have far better product line and record in the customer and distributor’s perspective.

I’ve reviewed their website, other bloggers, and even their Facebook account. All of them recorded high ratings for this MLM. Given, in over 700 reviews, they have an average 4.7 over 5 when it comes to their products and services.

CTFO Reviews Facebook Ratings

CTFO's Facebook page reviews from satisfied clients

Also, they encourage their potential members to work at home by selling their products online. To make sure you’re getting the best of this company, learn Roope’s proven and legit method of earning money online. Click here to get access to the best way to earn an income being an affiliate.

Nonetheless, CTFO, just like any other MLM companies, you should be aware that earning in this industry wouldn’t be easy. You need to be a great salesperson to convince people to buy the products. Especially those who aren’t open with the use and benefits of CBD to alleviate any body pains and to supplement the body’s needs.

They may have a great opportunity for you, yet, the success in a networking company lies in your hands. Besides, business is about implementing a smart tactic and self-confidence to ensure a boost in your Return of Investment.

How Roope Makes Money Online?

Roope “Robert” Kiuttu has been living his laptop lifestyle for almost 4 years now. He founded Your Online Revenue as his avenue to teach people, like you, desperate to learn the proven ways and strategies to boost your earnings as an affiliate.

Albeit investing in an MLM like CTFO, you’d still apply the principles you learn from his 4-step proven method to your own businesses. ​

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To end this post, I’d like to know your thoughts about the post by asking you the following questions:

What kinds of experiences do you have with CTFO or any other affiliate programs? Are they worth your time, money, and effort?

Do you prefer to begin earning your first passive income through affiliate marketing or you rather invest in an MLM and sell hemp?

Let me know in the comments below! 🙂

If you have further questions that I haven't discussed in the post, feel free to leave them in the comments.

On the other hand, if you feel like you want to join Roope, leave a comment as well and he'll be happy to be of help. Don’t forget to get his Ultimate Make Money Guide!

By Mecyll Gaspary

Hi, I'm Mecyll! I'm a full-time writer in Your Online Revenue, dedicated to dig into the world of making money with Roope. When I'm not spending time writing reviews, I'm writing novels and blog posts on my own website.


  1. Where can I find CTFO and try it for myself? I am a bit skeptical. I did find it on one website..

    Anybody else?

    1. I found it on just by searching on Google CTFO and other related terms. You’ll find it there.

      However, I must admit that I’m a bit skeptical also myself regarding their system/products.


    2. Hey I’m an associate for ctfo and I’m also using their products. It has helped me a lot since I started using their oil

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