NAME: CTFO review Is it real or a scam?

NAME: CTFO (Changing The Future Outcome)

Overall Ranking: 4 3/4 of 5 stars

Price: $0 (Join Here) Founder: Stuart Finger

Website: http://jferrizzi.myctfocbd.com/

Who it’s for: Beginner to Expert

What is CTFO?

CTFO ( Changing The Future Outcome) is an affiliate business who combines multi level business building and direct retail sales. CTFO provides tools to empower people in business, health and serving others; demonstrating the Good News with quality, integrity and generosity.

CTFO Founders care and want to positively impact every aspect of your life:
In Business: By offering an affordable, accessible opportunity with a generous pay plan and a simple road map for success
In Health: By promoting a healthy lifestyle; incorporating proper nutrition and quality products
In Serving Others: By creating a culture of organizational, personal and community development
In Quality: By providing products, customer service and associate support that actually work!
In Integrity: By operating in an honest and trustworthy manner to our employees, associates and customers
In Generosity: By giving back a portion of their profits to those in need
In Demonstrating the Good News: By following God’s word, we operate in a life-giving and abundant environment, both corporately and individually

CTFO Products

At CTFO, CBD products utilize CBD Isolate oil, as well as the full spectrum Cannabis plant mixed with Hemp Seed oil. Not all hemp is created equal. Our CBD Oil is made from NON-GMO, PESTICIDE FREE, CO2 Extracted Hemp Oil using only organic ingredients.
All our products are manufactured in the USA in a registered GMP, cruelty-free facility.
That means we use only the best, highest quality, the purest Organic Hemp and we don’t use any high heat processing that reduces the potency of the CBD.
That also means there is no testing on animals done in our facility, that’s a big issue – especially in the skin care industry.
AND, CTFO offers both Full Spectrum (Whole Plant) Hemp Oil, as well as CBD Isolate (Extract) Oil.
The CBD Isolate Oil contains absolutely NO THC, and the Full Spectrum Oil gives you a high potency of CBD while maintaining over 120 other cannabinoids, all of which have additional healing benefits. There is less than 0.3% THC in the Full Spectrum Oils, regardless of the CBD strength.

CTFO has product lines for health, anti-aging, nutrition, beauty and pet. They provide high quality tested products in both CBD and No CBD lines. See products here

Through my studies on CBD products I found a lot of “dirty” products and companies. Many products out there are synthetic, have heavy metals, chemicals or are simply poor quality. The benefits of CBD are amazing and more are being discovered. As with food and supplements, the body needs the purest form. Our bodies absorb and distribute these benefits best when we use whole foods. Chemicals, preservatives and pasteurizing steals away crucial components we need. CTFO makes lab results available for full review and offers a 60-day empty bottle money back guarantee.

How does CBD work in the human body?

We are hard-wired with a system of cannabinoid receptors throughout our brains and bodies.


What the experts say about CBD

Should you become an Associate?

Affiliate Marketing is one of the best business opportunities you can find online due to these factors:

  • No sign up cost
  • Quality products
  • No prior experience needed
  • Work at your own pace

Here are some of the most common “positives” that people love about CTFO

  • You can get started right away
    • simple sign up process
    • simple get started steps provided
    • share the opportunity
  • Additional Help and support
    • The team structures are full of knowledgeable people who want you to succeed
    • weekly conference calls to keep you updated
    • fast response and support from your up line
    • Free, Beautifully Designed Websites
  • Amazing pay plan
    • fast payments, residual income and structured tier income
    • back office provided so you can track everything in your business
    • see pay plan overview here

Some of the set backs for different people

  • Legality
    • CTFO products are completely legal for sale and use in the US and many other countries.
    • THC is below us legal limits
  • Some People don’t like Selling
    • CTFOs products are of the highest quality and very well priced.
    • You can turn those customers into associates or put them on auto ship for additional savings.
    • Promote the business side and simply let people know you are a CTFO CBD ASSOCIATE, they will ask about the products.

Completely FREE to Get Started! (that’s right $0 with no catches)

If you want to provide others with great life changing products and opportunity this is a great way to do it.

Again, its free so don’t just take my word for it judge and see for yourself. YOU WILL LOVE BEING A CTFO Associate Get Started Here.

My FINAL Opinion

I highly recommend CTFO to everyone looking to make money from home, help others and/or better their health.

If you are still unsure and have any questions, feel free to drop me a comment below and I will do my best to help you in any way I can. Thanks a lot for reading my review.

As always, I love feedback, leave your comments below.

Wishing you the best success,

Jim (WOLF)


  1. Hello Jim. CTFO is certainly not a scam. There are no risks involved at all because sign up is free. Affiliate marketing is one of the best ways most people have gotten their Financial freedom. I must confess that CTFO has awesome Products and mainly in the health Niche. Health, Wealth and relationship are the most profitable niches. Becoming a CTFO Associate will be awesome.

    • Thank you for your comment. I must admit I was a bit skeptical of CTFO at first, it seemed too good to be true. I have been pleasantly surprised at all I have found out. 

      The Products pay plan and the support I have been offered is truly amazing. I will continue to work with it and update this post as I go along.


  2. Thanks for the CTFO review! It’s great to have such a business organization like CTFO that really wants to positively impact every aspect of people’s lives. Kudos to CTFO as it provides high-quality tested products for health, anti-aging, nutrition and pet in both CBD and other lines. This is really amazing.

    Thanks for illustrating diagrammatically how CBD works in the human body, demonstrating how hard-wired the human body is with a system of cannabinoid receptors across the human brains and bodies. Thanks for the informative post!

    • Thank you for the comments Israel,

      The products are high quality, high CBD and low THC. the amazing part I discovered is that the CBD actually transfers the benefits of THC to where it is needed so it does not have the same reaction as THC products.

      wish you the best success 

      Jim (Wolf)

  3. Hi Jim,

    This looks like a good business opportunity on the surface.  How long has this company been in existence?  Are you an associate and if so for how long and how is it working for you?

    We are also checking it out further on the company website.

    Thanks for the informaton.  

    V. Pearl

    • Hello Vanna and thank you for posting,

      CTFO actually began as chew the fat off  with a weight loss supplement by Stuart Finger in 1989 ( I believe). As the company grew and added different products They formed the Changing The Future Outcome Company. Most of the growth has been after deregulation measures of Hemp in the past 3-4 years.

      I was introduced to CTFO about 3 weeks ago, I am an associate as that is truly the only way to properly evaluate the business side of it. CTFO has been amazing so far, I have not “pushed” for growth while I have been reviewing as this is a very busy time for me with other projects. I have simply shared some of the product specials and my affiliate link a few times and the sales show up. 

      Great questions, I should have included that information.If you have any other questions please feel free to contact me.

      Wish you the best success

      Jim (wolf)

  4. One of the best things about affiliate marketing is that all you really need is a website and traffic.  It is great to have quality products that you do not have to manage or deliver.  A great system for anyone who wants to get started right away for free, with products that people need.

    • Absolutely correct Shy,

      The benefits from the products sell themselves. Simply share the opportunity for others to access them.

      Thank you for your comment.

      Jim (Wolf)

  5. I had never heard of this business before but it seems legit. Since the registration is free and they offer a high-quality product, I think it worth to give it a shot. I will definitely check this opportunity. Health products are top selling on the internet because people are serious about their health. I just have one questions: Do they have upsells?Thanks for sharing.

    • Hello Albert and thank you for your comment,

      CTFO is amazing, there is absolutely no upsell involved. Of course its recommended you use the amazing products but it is not required. Personally I think if your going to sell something you should know the product and be passionate about it.

      Wish you the best success,


  6. Looks interesting these are great products to promote. What methods are used to learn in more detail about the products and their benefits. You say a simple road map for success, is a course you follow?

    Do you know this company was established and can I ask, are you a CTFO associate yourself? Hows that going for you.

    • Hello Dianne and thank you for your comment,

      I do very in depth reviews, this includes competitor products as well. I researched many CBD products, testimonials and reviews. Researched Company structure, stability and rating. As with all health related products the pureness is important to me so I want to make sure there is no GMOs, pesticides or foreign chemicals.

      I am a CTFO associate, it is the best way to fully evaluate a business, I plan on continuing with it. It is a great opportunity and growth is continuous. Very easy to follow proven methods available to help you succeed.

      CTFO began as Chew the fat off in the late 80s or early 90s I believe, it was transformed into changing the future outcome as the company and product line grew.

      Please feel free to contact me with any questions.

      Wish you the best success


  7. I’m really interested in CTFO but can this work outside of the USA? does the company ship products globally? I’m in the UK and I’m wondering if there would be a problem getting into the country as the Laws are different.

    I will certainly sign up for an affiliate as I can promote in the USA. 

    The product itself sounds very organic and high quality. It’s made me wonder how you can tell the quality of other CBD products available to do a comparision? 

    • Hello Darren and thank you for the comment,

      CTFO products are available to ship to many Countries including the UK, Canada is now available also. As information on Hemp becomes more available regulations will continue to ease.

      Comparing products can be quite a task, all CTFO products have lab sheets but the others are the challange. I found with most just seeing the percent of CBD is the give away.

      Wishing you the best success,

      Jim (Wolf)

  8. I am forever looking for health products I will look more into CTFO great information to have . Were can I get more information or a website I can go to

  9. I would love to be a CTFO affiliate. Sadly, they don’t ship to Mexico yet (my country). Here in Mexico is legal to sell Hemp oil, another Company does that, so CTFO products are legal here.

    This is an industry that is growing very fast, and high-quality CBD products have a lot of health benefits. I hope CTFO will be available to ship it´s products to Mexico soon.

    • Hello Ruban,

      Yes, CTFO is working on getting around some countries regulations, it is expected to be very soon they will ship to Mexico. 

      Please feel free to contact me 

      wish you the best success

      Jim (Wolf)

  10. I absolutely want to become a customer.  I have been doing some research on CBD oils and with some of my health issues I absolutely believe this could make a difference.

    As a Canadian my fear is the legalities.  i can never get a straight answer as to the legalities in Canada.  Every single opportunity tells me something different.

    Maybe you could enlighten me on the Canadian legalities please.

    • Absolutely understand the concern and great news, CTFO is now available in Canada, just 2 weeks ago we received the great news. I love being an associate, the products we offer are amazing and among the purest available. You can get started for free here http://jferrizzi.myctfocbd.com…  and be sure to take advantage of additional discounts with auto ship ( you dont have to keep the auto ship option)

      Please feel free to contact me with any questions or assistance you need.

      Best success,

      Jim (wolf)

  11. Thank you for such a great review. I’m always looking for ways to make money online and I think that after reading this article, I can give CTFO a try, since like you said is free to sign up. I like that you included all the details and provided key information to make a decision if this can work for anyone. 

    Thanks for sharing!

    • Hello Victor and thank you for your comment.

      CTFO is truely one of the best opportunities I have come across, the products and opportunity are amazing. Feel free to contact me if you have any questions, you can take a look at the opportunity here http://jferrizzi.myctfocbd.com

      Wish you the best success


  12. I struggle with Type 2 Diabetes and my employer suffers greatly from Lyme Disease. He has used some CBD oils that have given him some relief. That’s why I wanted to check this out for myself. I had heard that CBD oil can give some relief to those suffering from  complications of Diabetes. Do you know if that is true? The reason I am asking is because I would like to be an affiliate on my Diabetes website, but want to make sure this is really a good product for people suffering with Diabetes and the many organ failures and disruptions that Diabetes causes. The compensation plan seems very fair compared to some others I have seen.

    I know my employer gets relief of his symptoms and I would love to offer other relief, too.

    I look forward to your reply.

    • Hello Karin and thank you for your comment

      There have been may studies and testimonials I have come across that show the benefits of CBD with many diseases including cancers and cell regeneration. Because of these qualities Hemp is actually considered a super food. 

      I highly recommend becoming an affiliate here http://jferrizzi.myctfocbd.com…  however I can make no direct claim as I am not a doctor.  Please feel free to contact me if I can be of further assistance.

      I wish you the best success


  13. I have heard many ads on several new opportunities in the cannabis industry.  To be honest I thought most of them were scams.  And truthfully I coming from a time when cannabis was simply a recreational drug with too many side affects I just could not see anything worthwhile coming from this product.

    I don’t know enough about CTFO to even consider investing time or getting involved is such a thing.  But, your review of this company and its opportunities really helped me understand that there is a real opportunity here to help solve some of the common problems we have in life.  

    You lay the whole program out in such a way that even I can understand.  These products seem to be truly helpful to our communities if we can realize that these products are designed to help humanity.  

    After reading you review it makes me want to look further into CTFO, its products and opportunity…  Thank you for an insightful review.

    • Hello Raymond and thank you for your comment.

      I understand your concern about cannabis products and its other uses. Although canabis has been proven to help in many areas, it is actually the CBD which helps most not THC. The prducts at CTFO are made from hemp and are very high in CBD and very low ( less then .03%) in THC.  There are many you tube videos which express the difference.

      Please feel free to contact me if I can be of assistance or you have any questions.

      Wish you the best success


  14. Hello CTFO

    Well this sounds more interesting because you have got many varieties in exposure and in share fullness like 

    by promoting a healthy lifestyle, incorporating proper nutrition and quality products In Serving Others, by creating a culture of organizational, personal and community development In Quality, by providing products, customer service and associate support that actually work!In Integrity, Yeah that sounds brilliant but I not sure to go with it or not because this sounds more scientifically rather than natural.

    By operating in an honest and trustworthy manner to our employees, associates and customers In Generosity, by giving back a portion of their profits to those in need In Demonstrating the Good News, by following God’s word, we operate in a life-giving and abundant environment, both corporately and individually

    That really sounds very intriguing and most interesting all in goodwill hunting and furthermore all best

    Kinds regards.

    • Thank you for the comment Otis,

      There is science involved but only to filter out impurities and what is not needed to provide the highest quality CBD products. These products are liked best by our bodies and absorb quickly and completely.

      Wish you the best success


  15. I have been researching CBD oil a lot recently.  I know it has a lot of healing properties.  Mainly, I am looking for CBD oil for anxiety.  However, I am a complete newbie to CBD.  Do you have any recommendations on how much you should take and what type of CBD oil you should take for anxiety?  

    Also, I have heard of Charlotte’s Web for CBD oil, too.  How do you think their products compare to CTFO, though? 

    • Hello Garen and thank you for your comment.

      CBD works remarkably with anxiety, Studies have shown that lower doses work best for restlessness, anxiety and PTSD. The exact amount would depend on the product as there are several that help. 

      I have reviewed many brands of CBD oils and would have to refer to my notes on particular brands however, I have found CTFO to be among the highest quality and well priced.

      Please feel free to contact me with any questions or if I can be of further assistance.


      • Sounds good! How much would you recommend for taking for anxiety issues? I have tried benzos in the past and they did some serious harm to my body. I am so ready to try CBD oils. Been reading so much about it!

        • Hi Garen, it is actually recommended that anxiety issues are to use lower doses then other issues. It would depend on the product of course but always start at a lower dose, half the dosage is usually best in these cases

  16. This is a fascinating article in so many respects it is difficult to know where to begin.

    As a physician, it is clear to me there has been great interest in the medical community with  cannabinoid products.  Like you say, these products to not have THC in them, but do interact with the many different kinds of cannabinoid receptors located throughout the body.  They seem actually to have multiple potential health benefits that are just now being investigated.  

    But really you are suggesting affiliate marketing of these products whereby you can become in essence a business partner with a wonderful, ethical company.  As I understand it, you have no sign up cost to become such a partner, and you will be helping people become more healthy in the process.  Of course, the company also wants you to succeed and will help you become successful – what could be better!

    Thanks for this interesting opportunity.

    • Thank you for commenting Dave,

      CTFO is one of the best all round opportunities I have had the pleasure to come across. They are truly a company that cares and backs everything. They want to get the best quality products to people who need them and create successful associates. 

      Thank you again for your comments and feel free to contact me if you have any questions.


  17. CTFO seems to be really growing in popularity because this is like the third or fourth time someone has recommended this company to me. It really looks like an amazing offer and it seems I might just have to involve myself in this opportunity.

    Their products are also amazing and I read post about how great they are. Really is an amazing opportunity. If one wants to help promote the company or just buy their products you would benefit either way.

    • Absolutely Jay,

      I am still more amazed and excited by CTFO studies, testimonials, product line and the opportunity to work with them.

      Please feel free to contact me if you have any questions or I can be of assistance.

      Wish you the best success


  18. When an affiliate program is free to signup this is a good indication that is legit. It’s doesn’t guarantee success but at least you are not risking to loose any money. Usually scams ask for upfront payment. CTFO looks like a good opportunity for anyone that want to deal with their products and health products in general. Thank you for the share. We need to know what is true out there.

    • Thank you for your comment Stratos,

       I have seen a few programs that let you start for free then there is a catch down the line. There is absolutely no catches or gotchas with CTFO. Simply the best products and opportunity they can provide.

      Wish you the best success


  19. Before reading this article I had no idea what CTFO meant and what it was. But after reading through this whole article now I know what it is. It is really helpful and I learned a lot of new information from this article today. I should really appreciate you for writing this article and sharing it with all of us.

    • Thank you for your comment Sujander

      I will try to keep writing as much helpful information as possible.

      Wish you the best success


  20. I have never heard of them, but from your article I agree this is a legit opportunity.  It seems to be set up right and doesn’t cost you an arm and a leg to get into.

    The products are very unique and that is one thing that grabs me and could have a rather large interest.  If I was into MLM I would jump right on this. 

    • Thank you for your comment Stew 

      It is a great company and opportunity. It is not MLM the structure is very unique at CTFO, it is not set up for the sponsors to make the profit. Check it out here http://jferrizzi.myctfocbd.com

      wish you the best success


  21. Great information on a company I’m not familiar with. Glad it’s a legit program, as it can be hard to tell which “CBD-based” companies are for real, as it is a hot product at this time.

    • Very true Yvette,
      I have seen many companies that were very poor quality during my research. I advise everyone to do some investigating when making any choices concerning their health and wee being.
      Thank you for your comment, I wish you the best success

  22. This seems like a great product to promote.
    What are the average commissions on a sale?
    What does it take to qualify as an affiliate?
    How helpful is the staff and technical support? Do they respond to questions in a timely manner?

    • thank you for the comment Caleb
      you can check out the compensation here http://jferrizzi.myctfocbd.com/CBD It is truly amazing
      my average commission has been about $33 a sale you are an affiliate as soon as you sign up, qualifying for some of the other bonuses is more involved but must see the comp plan. Its very easy
      have had no technical issues yet but customer service was quick when i called

  23. Reading through your post and all the comments, I have come to now know that Cannibis oil with Hemp (CBD and not THC) is actually great for treating cancers and probably various other body issues. This is well illustrated by How CBD works in the human body. I am interested to sign up as an affiliate but I have surely to learn more about the medicinal impact of cannibis oil.
    Will bookmark and read more of your posts in the days to come.

    • Hello Rudolph and thank you for the comment,
      CBD is Great for the body in many ways, I am always seeing more benefits in my research. I am happy to be able to help people with the products and opportunity at CTFO.
      Please feel free to contact me if you have any questions or I can be of more assistance.

  24. Wow…I’m dealing with affiliate marketing on daily basis, but I didn’t know about CTFO.
    What really impressed me is that the company actually care about people.
    It’s such a nice surprise considering this doesn’t happen very often.
    Most of the others care only about their profit.
    Awesome review, CTFO is something I actually might be interested to work with.
    Thank you so much for sharing it!

    • Thank you for your comment Boby
      CTFO is truly amazing, I am more impressed every day. I am still researching and finding more amazing results from the products.
      The business side of it is awesome too, they have a very unique and patented pay plan. If you have any questions please feel free to contact me.
      Wish you the best success

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