What is CTFO? | Could This Be The Gateway to Financial Independence in 2019 and Beyond?

For those of you new to this site, Welcome! For those of you returning, welcome back. Today’s post is another in a long line of reviews, hints, and tips. While many of my reviews revolve around whether a particular “opportunity” is legitimate and worth your time, most tend to be a one-trick pony. What I mean by this is they usually have only one offering, maybe it’s to teach you something, maybe it’s to promote their product, etc.

Today’s review of CTFO is a bit different because, not only do they have a product to sell but, they also offer another way to make money with their system. I just wanted to let you know here, in case you only read so far and decide their offering may not be for you, etc.

So, let’s go ahead and see what CTFO is all about, how you can profit from their products and program, how it all works, the training that’s provided and wrap it up with my overall opinion and request for your input…

THIS POST MAY CONTAIN AFFILIATE LINKS. PLEASE SEE MY AFFILIATE DISCLOSURE FOR MORE INFORMATION.

What is CTFO?

First off, CTFO stands for Changing The Future Outcome. This name really encompasses what CTFO is all about.

On one hand, you have the actual product line, based on CBD Hemp oil. The entire line is all about improving health. From acne treatment and digestive issues to pain and stress relief, CBD oil can address a lot of issues. If you choose to only use the products and not promote them, that’s OK. The end goal is to make your life better.

What’s impressive about this company is the way they go about sourcing their ingredients and manufacturing their products. They use CO2 extracted industrial hemp grown organically on American soil. They also use Gree Scientific Labs for contaminant tests and cannabinoid profiles and issue independent rest results on all of their products.

On the other, you have the Associate program. This program is all about helping you succeed, not only on the product sales side but also on the MLM side. Yes, it is an MLM program, but it’s unlike any other MLM out there. I’ll get more into that later.

Either way you go, it really is all about changing the future outcome of your life, health-wise or financially).

Since this site is all about online business success, this post is going to focus on making money with this solution. To that end, let’s move on…

How Can I Profit From It?

There are two ways to make money with CTFO.

Selling Their Products

You probably know that the potential benefits of CBD are making waves across the internet and, as such, the market is growing rapidly. The CTFO product line is poised to ride that wave and address a variety of issues in multiple categories:

Health

The products in this line treat a variety of ailments from anxiety, digestion and energy levels to boosting the immune system and more.

Anti-Aging

Skin creams, facial cleansers, anti-aging serums, and hair regrowth are just some areas these products focus on.

Nutrition

This line is all about improving your physical and mental well being and products come in varying forms from capsules and edibles to oral sprays. Some focal points are weight loss, stress reduction and helping you get a better night’s sleep.

Pets

The pet market alone is huge. People love their pets more than their own kin sometimes. CTFO hasn’t left them out of the product line. It’s all about reducing your pet’s stress and anxiety levels and helping them live a healthier life. From shampoo and sprays to drops and treats, there’s something for your pet here.

Promoting Their MLM System

The products are great and you can make a decent income from selling them but the true power is in the MLM system. Once established, the income can be quite nice. There are actually three ways to make money within their MLM system. The trick is building that network and understanding how the system works, what you need to do to maintain a certain status and reap the rewards, etc. More on that in the next section.

How Does It Work?

First off, it’s free to become an associate. You don’t need a credit card or anything like that when you sign up.

Product Sales

Once you do sign up, you’ll get a website and you can start selling their products right away and start earning a 20% commission on your sales. You can actually make more via the in-person model but that’s more of a Mary Kay or Tupperware approach, where you buy at wholesale and sell at retail in-person, and isn’t for everyone.

MLM System

If you’re looking to build a full-on business with CTFO, then you’re going to want to build a team and help them start making money as well. After all, the whole idea behind MLM is to share the profits from your down line…

To qualify to earn on the MLM side of things, you need to become an “active, qualified associate”. Basically this means you need to either purchase $47.47 worth of product yourself on a monthly basis or have at least ten personally enrolled customers or associates, of which a minimum of two of those customers will need to be spending that $47.47 per month themselves and your affiliates will have to be full “active and qualified” themselves.

Unilevel Commissions

This is a typical MLM idea. You can recruit others to become part of your down line. Anyone you directly recruit will be a level 1 referral. Anyone they recruit will be a level 2 referral for you and so on. This goes 5 levels down in total. The commissions for your direct level 1 referrals is 20% on the CV or Commissionable Volume. Levels 2 through 5 will nab you a 4% commission.

Matrix Commissions

This one’s a bit different and somewhat difficult to follow. This is a separate down line and income stream that you are automatically placed in. Eventually, you will have 3 random people under you and they, in turn, will have 3 under them and so on all the way to 21 levels deep. Levels 1 through 5 will net you a !% commission on the total CV, 6 and 7 will get you 10% and 8 through 21 is another 1%.

Although small, it can add up over time as more associates are placed in those 21 levels below you. Another thing to note is you don’t start out earning at the full potential of this down line and there are caps, etc. This all relates to your associate rank which I’ll talk about more later.

Profit-Sharing Positions

Here’s another semi-confusing one… After you get 3 people under you, the 4th goes under one of those 3 as it normally would but also becomes part of a new matrix with you at the top. This repeats with every 4th person, building more matrices. It’s just another income stream.

Bonuses

There are two bonus pools, Infinity, and Top Gun.

Infinity

The infinity pool consists of the total CV generated within your entire team. Based on your rank, you can qualify for a piece of the pie, up to a maximum of 19% of that CV. It’s important to note that the 19% is divvied up by rank so, even if you hit the top position you won’t get the full 19%. For example: If you’re at the Senior Vice President rank, you’ll get a 4% infinity bonus and 4% of any CV generated within your matrix up to the next Vice President ranked associate and you would continue to earn 4% commissions for the CV generated under them.

Top Gun

This one consists of 6% of all the CV generated within the company (not just your down line). This percentage is then divvied up evenly between all associates who achieved the Top Gun rank.

Understanding Ranks

Free Associate

This is easy to obtain. Simply sign up.

With this level, you can earn retail commissions of 20% on the CG generated from your sales.

1st Level Manager

Qualification:

• Personally enroll 1 qualified retail customer or associate.

Earn:

• 20% commissions from level 1 of your down line
• 25% of total payable matrix commissions from levels 1 through 7

2nd Level Manager

Qualification:

• Personally enroll 2 qualified customers or associates

Earn:

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

Senior Manager

Qualification:

• Personally enroll 3 qualified customers or associates

Earn:

• 20% commissions from level 1 of your down line
• 4% commissions from level 2 and 3 of your down line
• 100% of total payable matrix commissions from levels 1 through 7

Executive Manager

Qualification:

• Personally enroll 4 qualified customers or associates

Earn:

• 20% commissions from level 1 of your down line
• 4% commissions from level 2, 3 and 4 of your down line
• 100% of total payable matrix commissions from levels 1 through 14

Vice President

Qualification:

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

Earn:

• 20% commissions from level 1 of your down line
• 4% commissions from level 2, 3, 4 and 5 of your down line
• 100% of total payable matrix commissions from all 21 levels
• 4% infinity bonus commissions

Senior Vice President

Qualification:

• Personally enroll 5 qualified customers or associates
• Maintain at least $50,000 in personal team monthly volume (your down line)

Earn:

• 20% commissions from level 1 of your down line
• 4% commissions from level 2, 3, 4 and 5 of your down line
• 100% of total payable matrix commissions from all 21 levels
• 8% infinity bonus commissions

Executive Vice President

Qualification:

• Personally enroll 5 qualified customers or associates
• Maintain at least $100,000 in personal team monthly volume (your down line)

Earn:

• 20% commissions from level 1 of your down line
• 4% commissions from level 2, 3, 4 and 5 of your down line
• 100% of total payable matrix commissions from all 21 levels
• 12% infinity bonus commissions

Presidential Director

Qualification:

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

Earn:

• 20% commissions from level 1 of your down line
• 4% commissions from level 2, 3, 4 and 5 of your down line
• 100% of total payable matrix commissions from all 21 levels
• 13.75% infinity bonus commissions

Senior Presidential Director

Qualification:

• Become an active and qualified Presidential Director
• Maintain 3 other active and qualified Presidential Directors on separate down line legs

Earn:

• 20% commissions from level 1 of your down line
• 4% commissions from level 2, 3, 4 and 5 of your down line
• 100% of total payable matrix commissions from all 21 levels
• 15.5% infinity bonus commissions

Executive Presidential Director

Qualification:

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

Earn:

• 20% commissions from level 1 of your down line
• 4% commissions from level 2, 3, 4 and 5 of your down line
• 100% of total payable matrix commissions from all 21 levels
• 19% infinity bonus commissions

Top Gun

Qualification:

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

Earn:

• 20% commissions from level 1 of your down line
• 4% commissions from level 2, 3, 4 and 5 of your down line
• 100% of total payable matrix commissions from all 21 levels
• 19% infinity bonus commissions
• An equal share of 6% of the total CV generated company-wide.

As you can see, there are a lot of levels that can be obtained in this program and, based on that level, a varying amount of income. In the end, it’s up to you as to how much effort to put forth to obtain the desired ranking.

Now, let’s talk about training…

Is There Training Involved?

Yes, there is and it’s pretty good too. Once you’ve joined, you’ll have access to the training system.

Welcome

The Welcome training consists of 5 modules and will take you about an hour to go through. It will give you a good idea of what CTFO is all about and how it works.

Learn as You Go

There’s also Learn as You Go training which consists of 13 short modules to help you get going with your new business.

Live Training

In the Live Training section, you’ll find recent trainings and webinar recordings.

Weekly

There are also regular training and update calls on a weekly basis that are also recorded if you can’t attend them live.

CTFO really gave thought into making sure that you could sign up and succeed. The trainings go to show that they want to help you at every step of your journey.

Conclusion

So I have mixed thoughts on CTFO…

On one hand you have the products. High quality, independently tested, organically grown and offering solutions to a wide range of ailments and conditions. That in itself would have me as a customer, assuming I had need of one or more of these solutions (OK, I might have use for the hair loss stuff. LOL, maybe a bit more than that too.).

Add to that that I can simply sign up and sell their products. 20% commission, no muss, no fuss. That has it’s pluses too.

On the other hand, we have this semi convoluted MLM system. Don’t get me wrong, there’s plenty of money-making potential here. I just fear trying to make sense of it all can be a bit frustrating and frankly, this isn’t my only endeavor so I don’t know how much time and effort I’ll really put into it.

In the end, I’ve chosen to sign up as it is a legitimate system and offers desirable products in a market that’s only growing by leaps and bounds today.

I for one say, sign up for the free account and see for yourself. All it will cost you is a bit of time.

Now it’s your turn… What do you think of CTFO? Do you see yourself fitting into one of the money-making options? Are you more interested in just using the products? Do you already have experience with this company? Please let me know by commenting below. I’d love to hear what you have to say.

Don’t forget to check out my number one recommended online business opportunity review here.

Thank you,

Scott Hinkle

SmallOnlineBiz.com