Review: Chew The Fat Off – Legitimate Business or Not?

Chew The Fat Off
Chew The Fat Off

Date: August 9, 2016
Name: Chew The Fat Off
Overall Ranking: RECOMMENDED
Price: Free to Join
Owners: Stuart Finger, Founder and CEO

Introduction to Chew The Fat Off business opportunity

Chew The Fat Off (CTFO) business was created by Stuart Finger in late 2015 “after a lifelong struggle with being overweight.” CTFO is in the health/weight loss market with products including meal replacement, appetite control, immune system support.

CTFO Founder Stuart Finger
CTFO Founder Stuart Finger

Stuart Finger has extensive network marketing business experience going back to at least 1996. He was the Chief Executive Officer of Guided By God (GBG), which appears to have been a telecommunications reseller.

The Chew The Fat Off product line

  1. ChewOffChewOff is an appetite control “chewable.” According to the CTFO product information, ChewOff are “cherry berry flavored, power packed, healthy bite-sized chewable snacks. With water, they can help satisfy your hunger, give you extra energy, increase your metabolism and provide fiber, vitamins, minerals and more.”
  2. ShakeOff ShakeOff is a meal replacement shake product. ShakeOff includes both Whey Protein Isolate and Pea Protein as well as Sunfiberan excellent prebiotic, and vitamin and mineral blend.
  3. DrinkOff DrinkOff filtered water bottle is the best system for drinking enough pure H20. It comes with a IONIC ABSORPTION MICRO FILTRATION SYSTEM with a filter good up to 600 refills.
  4. Super 7Super7 is a proprietary multi-fruit chewable, a blend of the world’s super fruits like Amalaki, Acai, Blueberry, Cranberry, Goji, Mangosteen and Pomegranate.
CTFO Product Line
CTFO Product Line

See the CTFO products fact sheets on the website for more information.

The Chew The Fat Off business model

The CTFO business model is based on the network marketing (or Multi-Level Marketing) model. This business model uses networks of associates to promote the company products directly to consumers at the associates’ own expense. This shifts the cost of building and training sales forces, advertising and some overhead costs to the associates.

network marketing matrix
Networking marketing 3×3 Matrix

Typical network business models rely on networks of associates to promote the products. How they are promoted is the responsibility of the associates whether it is word-of-mouth, direct mail, email advertising, paid advertising, printed advertising or other methods.  Another aspect of this model is the recruitment or sponsorship of other associates, the building of an associate’s sales force.

A network marketing model such as a 3X3 matrix shows an associate with 3 personally sponsored associates directly below with each, in turn, sponsoring 3 of their own. An associate may have any number of retail customers who are not shown in a matrix of associates.

Compensation comes in two parts in the network marketing model. In the simplest form, an associate is compensated based on a percentage of the associate’s personal sales and a percentage of the overall subordinate team sales. Much like the Real Estate business model, the Real Estate broker earns a portion of real estate commissions generated by subordinate Real Estate agents.

There has been discussion over the years as to whether network marketing is a legitimate business model.

The organizational hierarchy within the network marketing model lends itself to the same hierarchy as a pyramid scheme. The U.S. Federal Trade Commission (FTC) provides guidance as to the differences between a pyramid scheme (or Ponzi scheme) and a legitimate marketing business.

Recently, a group of U.S. lawmakers (28 co-sponsors) have joined together to sponsor a bill (HR 5230) that would clearly define at the federal level what a pyramid scheme is and is not. The most important part of this legislation is that it defines internal consumption… meaning customers who are also distributors or members would be considered “consumers.”

The FTC vs. Amway case of 1979 established case law and only actually applies to Amway. But the “Amway rules” as they are known have never been effectively enforced or audited because of the lack of federal regulations.

The new law, should it pass, will finally clarify and legitimize the many network marketing companies where many consumers have also chosen to become associates.

The list below shows some of the publicly-owned companies using the network marketing business model and are listed on the New York Stock Exchange.  I do not think the Securities Exchange Commission would authorize an illegal pyramid scheme to be listed.

  • Avon
  • Nature’s Sunshine
  • Herbalife
  • Primerica
  • NuSkin
  • USANA Health Sciences Inc
  • Pampered Chef (owned by Berkshire Hathaway Inc)


The Chew The Fat Off compensation plan

The CTFO compensation plan has two parts. The first is based on the free membership where all associates earn 20% residual income from product sales. This is the heart of the Free Position Associates! Free Position Associates are NOT required to make purchases.

The second part of the CTFO compensation plan is the Residual Team Pay. Associates qualify by purchasing one product a month ($49.97) and having customers/associates. The following image shows the conceptual framework for Residual Team Pay in the 3X7 matrix.

Compensation Plan
Compensation Plan

The second part of the compensation plan includes other bonuses including CTFO Profit Sharing positions. For more information about the compensation, please visit the Chew The Fat Off website.



  • Free online business with no purchase required. There are no hidden or gotcha type fees. The company provides free replicated websites to promote as well.
  • High demand products in the health/weight management industry with 60-day money back guarantee.
  • Free back office support. It is surprising that there are companies that still charge for back office support. CTFO does not.
  • Easy-to-understand business model. The compensation plan is straight forward and easy to understand. The videos clearly describe and demonstrate how associates make money.
  • Training is provided. See training overview below.


  • Available in the United States and Canada.
  • As with any network marketing business opportunity, retail sales are required per the Terms and Conditions in accordance with FTC policy.


Who is it for

Anyone, at least eighteen years of age, who wants to start, build and operate an online home business associated with the health and weight loss industry. CTFO Independent Affiliates must be of legal age of the state in which they apply.

Training overview

CTFO has a variety of training methods for members. In addition to videos, the Library Center has 34 training folders including topics such as email templates, product information sheets, terms and policies, CTFO marketing tools and many others. CTFO also has scheduled conference calls.


Chew The Fat Off has several different methods available to support members. First is the Library Center with a number of “How to” documents. The CTFO back office area includes a Live Chat function for associates to ask questions of the company. The company also relies on the Upline Leadership Team to provide support to the downline associates.  Associates may also send email to CTFO support to resolve issues.

Final verdict

Chew The Fat Off is:

Chew The Fat Off is recommended.



As with any business opportunity, your due diligence is required. CTFO is not a get-rich-quick deal. It takes time and commitment to work.

I make commissions for purchases made through links in this post.

If you have any questions or comments about Chew The Fat Off, please fill in and submit the form below. I love feedback.



  1. With my level being “inactive”, what does that mean? I received an email that said to purchase/try a product to guarantee commission. Is that why my level is inactive bc I haven’t purchased? Do you have to purchase to get your commission?


    1. Hi Candy, to remain active, a Company Associate must achieve monthly sales volume requirements. Customer and Associate personal use, including auto-ship, shall be included in calculation of sales volume performance. An associate is paid 20% on their sales. To be a first level manager requires enrolling one other active person and orders 1 qualifying product a month. Hope this helps, Glen.


  2. Hi Glen, I’d like to hear how CTFO has been working for your now, and your team, 6+ months later?


    1. Hi Howard, I am an inactive member of CTFO as are my 3 downline members. I am inactive as I have not purchased any products nor have an autoship order. But the good news is I have lost 26 pounds since October just by eliminating highly processed foods (bread, cereals, fast food, soda, pre-packaged foods like snacks, cookies, etc) and adding more veggies. I lost 20 of the pounds over a 30-day period (Mid-March to mid April) while on the Whole30 program. You can read more on my other website.


  3. I have to be honest here but this sounds like a basic MLM opportunity once again – yet another one that tugs on the heart strings of the health community (good old Stuart managed to lose the weight etc…).
    I’m afraid I’ve come across thousands of these over my past decade of working online and they all work the same way: People at the top of the ladder make money whilst the rest scratch about for scraps. Still, this particular MLM option doesn’t require any upfront money…is that correct?


    1. I appreciate you taking time to read and comment, Chris. First of all, CTFO does not require any upfront money.

      You seem to be critical of people who are successful and are on top of the ladder or of the MLM business model.

      The way I see it is those on top of the ladder either took more risk to join early, had connections, got lucky or simply worked harder than everyone else. Or a combination of these. Pretty typical in the business world since there are no guarantees of success. I think Neil Patel said it best, “It is all about the hustle.”

      You are right. The MLM business model works the same way for all companies that select this model for their business. My article discusses the definition of a business model about how companies go about delivering value to a consumer.

      Regardless of which business model a company decides to use, success still is based on working hard to meet the demands of the marketplace.

      Mark Cuban said, I still work hard to know my business. I am continuously looking for ways to improve all my companies, and I am always selling. Always.


  4. Hi, Glen and good coverage of the overall aspect of what CTFO is all about and its compensation plan. There are a lot of businesses out they that work on many different plans and some are legit. It all boils down to how the compensation plan is set up and how you earn your money.

    It is true if you’re doing this type of business you will need to sell but to be honest; most businesses require you to sell a product or service one way or another.


    1. I appreciate your comment, Travis. Thanks for reading. I agree with your comments. Business is about economic transactions. It can be couched or stated in non-selling statements like helping people solve problems or providing what they want or need. But the bottom line is a sales at some point.


  5. Hi Glen,

    Is this available outside of the United States?

    I liked your discussion regarding multi level marketing and the recent attempts by law makers to provide additional clarifications. Hopefully these additional clarifications will help make multi level marketing more acceptable. A lot of people as far as I can see confuse MLM with unethical schemes.

    Kind Regards,


    1. Thanks for stopping by and reading, David. I appreciate you taking time to comment. CTFO availability is limited to the United States and Canada. (I need to update the review to include this info.)

      One of the criticisms of multi-level marketing is pricing. People make the assumption that because companies make payments to the direct sellers as well as “downlines,” the price of the product must be higher. Yet I have never heard of anyone complaining Amazon prices are too high because they pay affiliates commissions. Regardless of a business model or product distribution channel, there are many factors that go into product pricing.


  6. This business opportunity sounds a lot better than a lot of others I have seen out there, and the best part is you can get in for free, which is very rare.

    Anybody who is into network marketing and good at it should do well here, as it doesn’t seem to be a scam, and the products look like they work.

    Have you by any chance tried Chewoff? That is something different.


    1. Thank you for commenting, Michel. I appreciate you taking the time to stop by and read. I recently joined CTFO to check out the bizop and product. It’s rare to see a free business without hidden fees for websites, admin support etc. I am waiting on delivery of one of the products to try.


  7. Your review of CTFO is impressive. Anyone that is trying to determine whether or not it is worth taking a chance will find your review very informative and essential as part of their final decision. I like the fact that you introduced other legitimate companies to support the evidence of your findings. If I was still looking for a home-based business I would consider this company but I would have to do some major soul searching because I didn’t do well with a previous MLM opportunity. Great Job!


    1. Thank you for stopping by and taking time to comment, Greer! I have been down the MLM road in the past. It really is a tough road to travel. But I have friends who are very successful and have great lifestyles. Their success took time and effort. Hopefully, people who are interested do their research and understand what’s involved.


  8. Hey Glen, thanks for this review. It’s difficult sometimes to distinguish which businesses are legitimate from those well not so legitimate. You obviously did thorough research on this company. I was a member of one of the companies in your list of approved companies. I made some money from sales but I wasn’t able to crack the code of getting people to join. But, the company is doing well. There are some similarities between this company and Wealthy affiliates. Are there any aspects that you feel make CTFO a better choice than WA?


    1. Hi Greer. Sponsoring new members must be one of the hardest things for inexperienced members to do. It takes training and practice. CTFO is a better choice than WA for those who do not want to take the time and effort to build out their own websites and then continually write new content. I have done both. So I get it. Also, considering the size of the weight loss market, CTFO provides a ready-made website that can be promoted on day 1.


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