CTFO Review – Legit Mlm Or Pyramid Scheme Scam?


Hello and Welcome to my CTFO review.

I recently reviewed many CBD oil companies like Kannaway,Emris international ,Young living,Bioreigns,Navan and Hempworx.

Chances are that some of your friends and family members told you that you can make money from CTFO by selling it’s products to others.

Who do not like work from home?But wheher CTFO is legit or just another pyramid scheme with some really crappy products?

This review is going to be over 3000+ words and we are going to talk about each and every aspect of this mlm with video and link proofs.

I want to congratulate you for coming here to read this review.

This review is going to be completely unbiased and by any means I am not associated with CTFO.What this means is that it’s a third party review and will not try to pitch you in this article.

Let’s dive into this review

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CTFO Review

CTFO stands for changing the future outcome and it’s a health and wellness multi level marketing company which was founded back in 2015.

It is a relatively new mlm company as compared to CBD mlm giants Kannaway and emris international.

They also provide everyday people to make money by promoting their products to others.

Here is a short video on it,

Is CTFO A Pyramid Scheme


No,ctfo is not a pyramid scheme,it is a mlm company which focuses on selling CBD oil products.

Now,CTFO is not a pyramid scheme but an outright pyramid scheme.

What this means is that there are also features of pyramid schemes in CTFO,but they are not completely relying or forcing you to recruit others into the company.

WAIT A SEC..Let me describe a pyramid scheme.

A multi level marketing company enters the pyramid scheme zone when the only way for you to make money in the company is to recruit others into the same company.

And this never ending circle continues.Not with CTFO,recruiting is just an option.

Means that you can also sell their products to others and make retail commissions on it.

Simply,because hey sell physical products like CBD oil,this is why they are out of this league.

Why most people on google saying it a pyramid scheme is due to the fact that most of the money that people are going to make in it is by recruiting others.

Because selling CTFO is not a cup of tea.I will tell you why most of the people fail in selling CTFO CBD oil and why they focus on recruiting part,but let’s first talk about success rate of CTFO.

CTFO Failure Ratio

Failure ratio in CTFO is very high as compared to other CBD mlm companies like Kannaway,emris international and HempWorx.I have reviewed almost 300+ mlm companies and you know what one common thing I come across over and over again?

Most of the people that join mlms end up losing their money.


This is not me,in fact most of the stats shown that 73% to 99% of people that join mlm companies end up losing their hard earned money.

Before talking about it’s products,compensation plan etc,give me a minute to explain this.

The reason behind this high failure ratio is that most of the people that join multi level marketing companies are newbies,just like YOU.

They do not know anything about marketing and selling.Even they do not have an existing audience where they have to push or promote products they want.

So,because they do not have a traffic source to promote that product,they end up selling it to friends and family members.

Now I really do not want to sell anything to my relatives,because I can’t afford to lose them(;

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How CTFO Works

CTFO works very straight forward.They make huge amounts of CBD oil related products and give everyday people an opportunity to make money by selling them.

So,by this they save money in marketing their products.In Fact people like you help them in marketing.For free.

This way they end up millions in savings from facebook ads.

Why not?It’s a win win for both of you.

The company and its distributors*.

CTFO Products

CTFO claims that their products are of very high quality products and can beat the market easily.Not a new thing,every mlm I reviewed claims this same thing.

The truth is that CTFO products are not different then all other CBD OIL mlm companies which I reviewed.Here are some of the main products which CTFO offers..

  • Health – CBD OIL ($35-$211)
  • Anti Aging – Some useful creams that will help you remove dusts and acne from skin.($15-$80)
  • Nutrition – Protein shake,pain reliefs $25-$86
  • Pets – hemp chews,CBD Spray etc

CBD Oil CTFO Flagship Products

Now,CBD oil has many benefits.First of all I want to talk about a technical thing about CBD oils..

CBD oil is a very saturated industry and it is not very easy to have a name among all other mlms.

Every other day a new MLM is launching with the same product and making this field more competitive.

That is the reason why the owners of this mlm company decided to make unique products to offer to their audience.

So,for this reason they used Hemp.You may be thinking Hemp in CBD oil,it does not make sense right?but hemp is also used in making Wax,clothes and fuel as well.

Now,here is the concern.

Why?Because hemp is also used in cannabis.

And people use Cannabis for drugs and they feel high after smoking Cannabis.

Let me clear this thing,they get high not because of cannabis but because cannabis contains THC.

Get my point?Hemp does not have THC but it has CBD.THC stands for tertrahydrocannbialand CBD stands for Cannabiodial.

Now let me clear the difference between CBD and THC.One of the main differences between these two is simply the side effect.

Using CBD can not get you high as THC.

It is safe to use.Also CBD is legal in almost all States of America while THC is banned in most of the states.

I have reviewed Scout and Cellar mlm company recently.

These guys were using THC in wines and that is the reason most of the states banned their home delivery.

Here are some of the benefits of using CTFO CBD oils.

  • Relieving Pain
  • Reduce Anxiety¬†
  • Lower cancer symptoms
  • Reduce blood pressure
  • Reduce Diabetes

Now,their flagship products are going to cost you $110.

Now,you can be here for two reasons.

First one is that you want to make money by CTFO.Second one is that you want to know whether this cbd oil is worth it or not.

I have read all the reviews on CTFO products on different platforms.

Some were positive and some were too negative.Best way to know this answer is to buy it yourself.

Here is a one minute video that will help;

How To Make Money With CTFO

Like other mlm companies out there,there are two ways to make money with CTFO.

1 – First one is to sell their products directly to people and make retail commissions on it.They are giving 30% commission on every product sale you make.

This is high retail commission rate as compare to hempworx,emris and Kannaway.All CBD oil companies give 25% commissions and CTFO giving 25%.

2 – Recruit people under you and make a big downline under you.You will make a commission on every sales your downline makes.

Now,this company works completely differently as compared to all other mlm companies I have reviewed.

They are not giving you $$$ on people recruited under you,you are only going to make money if and only if your downline makes sales.

And you will be gifted on each and every sale.

How Much To Join CTFO

Here is a screenshot for you,where their website says that it’s completely free to join this mlm.But it is not the truth.It is going to cost you $$$.

I completely hate unethical marketing and when companies lie to us,just to sign up with them.

Before talking about it’s cost,I want to talk a little bit more.I have been doing marketing for more than 3 years and now whenever I talk to my prospects on messenger,I want to be completely honest with them.It’s a pillar for marketing.

I got my first sale by saying that I am not making a pennybut people inside this system are making $10k/month.So,always be honest with your potential customer.

And we are their potential customer.

If you want to work with CTFO,then you have to buy their product called business builder pack.

Price of this business builder pack is $300-$1299.

CTFO Monthly Cost

Let’s talk about CTFO monthly cost.

It is going to cost you $47/month to stay active with this mlm company.Other than this you can also recruit 10 people under you and you do not have to pay them $47 anymore.10 people?Hmm ineresing.

Here is the total cost for the first year if you join this mlm.

  • $47 multiply by 12
  • $300 – $1300

Total cost for one year is = $870-$1870

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CTFO compensation plan is very complicated.About almost 13 pages full of mathematics.

To be really honest with you,if you failed in mathematics like me,then this compensation plan is not for you.

I am pointing out some key points here which I understood..

Here are the 5 points that you need to know about it’s compensation plan..

  1. Retail commissions = 30%
  2. Bonus for your recruiting sales from 5% to 20% depending on your downline positions.
  3. Matrix Bonuses – More bonuses from downline sales
  4. Infinity and top guns bonuses = Again bonuses from your downline

Main takeaway from this is that there are two ways for you to make money from CTFO.

  • Sell its products and make retail commissions on it,which is 30%.
  • Recruit people under you and make money on it.

Here is the link to the full 13 page compensation plan.

Or here is a detailed video on it,

Things I Liked In CTFO

There is not too much to like about CTFO..

Positive Products reviews


There are many positive reviews of CTFO on different platforms like BBB and customer affair.

Things I Disliked in CTFO

Here are the things Which I disliked in CTFO..

Expensive Products

During this review,I said that most of the distributors of CTFO focus on recruiting people other than selling its products to others and make retail sales commission.

The main reason behind it is this one.

Their products are way too expensive in my opinion.As compared to CBD market,they are 200% expensive.

This is insane.Their flagship CBD oil product is going to cost you $120.Their quantity is very low too as compared to other mlm companies.

To be honest,the person who buy their product means he is throwing his money.

I have a simple and straightforward question for you.

Why people will buy your product when they can buy it easily 200% times cheaper from brands like Amazon?


Makes no sense to me.This is the reason most people find it hard to make money.

Monthly Fees

This is the only cbd oil mlm which is charging a monthly fee from their partners.

It looks like one of the mlms which wants more and more from their distributors instead of giving them something back in return.

Pyramid Scheme in Disguise


Although CTFO is not a pyramid scheme,it is an outright pyramid scheme and pyramid scheme in disguise.

Looks like the company owners worked really hard on this thing.They just sneaked out from the zone of pyramid scheme.

Why I am saying that it is pyramid scheme in disguise?

There is the reason behind it..

Out of the four ways to make money from CTFO,three are from recruiting people into it..

  1. Recruit people to make recurring money
  2. Recruit 10 people for not paying $47 anymore.What this does is makes it?s partners focus on recruiting people instead of selling it.
  3. Only way to make passive income is by recruiting people in CTFO.

No Income Disclosure

This means that they did not issue income disclosure.


This is not a new thing when it comes to mlms.


Most of the time they did this intentionally.Because average income earning of mlms distributors is around $50/month.

Downward trend


This is the final nail in the coffin.Their trend on google is going down and down day by day.

This means that this mlm is coming to an end in near future.

This is an alarm for all the people who want to join this mlm.


10 Shocking MLM Statistics That You Need To Know!

  • Almost 99% participants of all multi level marketing companies lose money,According to the FTC.
  • There are 38% more chances of you profiting from your own any kind of small business¬† than joining these mlms.
  • Success Rate of online business,which will give you financial and time freedom,is 20% more than joining mlms for making money.
  • The odds of you winning a lottery worth $10k among 10,000 people is 300 times higher than actually making money from mlms.
  • According to the AARP foundation,47% distributors of all mlms lose their money,apart from this 27% do not make a single penny.
  • Remaining 26% that actually make money,53% of them make less than $5000/year.
  • 39% among those 53%,who are making $5000/year quit because recruiting and selling crappy products to friends and family members jeopardized their relationships.
  • Forget about building a long term business with mlm,because 50% of all mlms participants quit within one year.
  • 75% of people that join mlms say that they will never ever join any kind of mlm.
  • A poll was conducted in 2018 among 1050 mlms distributors and it was found that most of them makes 70 cents an hour and 20% of them did not make a sale.60% of them makes less than $500 in sales over the past 5 years and 32% of them acquired credit card debt to finance their mlms involvements.


Is CTFO A Scam?

No,CTFO is not a scam.It is a legit mlm company which focuses on selling CBD oil.But I do not recommend CTFO to my audience.

Why join MLMs when there are more scalable,sustainable and long term business models out there?I hate selling to my relatives.

It is the worst business model,I have not listened a single mlm success story after getting 2000+ comments on my reviews on different mlms.

Most of the time people say that they waste their decade in blah blah mlm and do not recommend others to join.I do not want you to be that person.

Not fond of mlms,been there done that!

This business is destined for failures,mlms = Waste of money and time.

The only person makes money in mlms is the owner of the company.You are company’s best customer.Whenever you lose money,company makes money.

Here is a better business model,lead generation.In this business,you have to generate leads for business owners and whenever they make money,you will make money.

Let’s say that you generated a lead for denstist and he closed that customer and made $1000 on it.He will be more then happy to pay y0ou $100 for that single lead.

And what if you can generate him 100 leads every single day?That’s $30k/month.Most of our students are making $100k/month and thousands are making $10k/month or more then that.

If you want to watch the exact training that helped 6000+ people to build passive income online,then click the link below.

That’s is for today’s review.

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