Toby Jones
Endorsed by Andrew Crowe & Toby Jones
A Trusted Partner for Australian Veterans
Certainty Wealth is proud to be endorsed by Andrew Crowe and Toby Jones as a trusted partner in supporting those who have served. Together, we’ve built a clear, structured path for veterans to turn their compensation, superannuation, or home equity into long-term financial security through property investment.
This isn’t just another scheme. It’s a well-tested process that puts education, structure, and veteran leadership first – so you can take action with confidence.
Andrew Crowe
A Path Built by Experience, Backed by Structure
When Andrew Crowe first shared his story, it was familiar and deeply personal. He’s still serving. He’s faced the frustration of chasing outcomes, the confusion of financial forms, and the weight of a PI payout landing without a clear plan.
Like many veterans, Andrew didn’t feel relief when his compensation was finalised. He felt pressure. Where to now? What if I get this wrong?
But instead of freezing, Andrew did what most don’t.
He reached out. He asked better questions. He partnered with Toby Jones to push past what he calls the “veteran glass ceiling,” a quiet belief that many veterans carry, thinking there’s a limit to what’s possible once the uniform comes off.
With Toby’s support and Certainty Wealth’s structure, Andrew was able to purchase his first property before his PI even landed in his account. That wasn’t luck. That was leadership. Now he’s made it possible for others to walk the same path, with confidence and without fear of getting it wrong.
WHO ARE WE & Why does This Exist?
Andrew Crowe
Andrew is a currently serving ADF member with decades of experience, including several deployments. He’s a trusted voice within the veteran community and someone who chose to challenge the limits of what’s traditionally been expected from Defence members after service. He leads with discipline and clarity and now brings those same qualities to financial decision-making.
Toby Jones
Toby is the founder of Witton Lane Advisory, a behind-the-scenes strategist supporting financial advisers, veteran advocates and advice networks across Australia. After years in financial advice and a personal journey through illness, Toby now builds pathways that make good decisions easier to act on. His role is not to replace advice, but to make sure the right people are ready to receive it.
We’re Not Veterans, But We’ve Taken the Time to Understand
At Certainty Wealth, we don’t wear medals. But we respect those who do by showing up properly.
We didn’t just ask for a name and a number. We asked real questions. Then we asked more. Then we listened.
Over the past few years, Certainty Wealth has helped more than 1,000 Australian families, including hundreds of Defence members, take action using their superannuation, compensation, or equity.
Not through shortcuts or hype. Through structure, education, and trust.
Why Veterans Like Andrew Trust This Process
When Andrew sat down with Toby, they didn’t start with investment strategies. They started with the pressure. The doubts. The history of seeing good veterans left with poor advice or no plan at all.
Andrew didn’t just accept the system. He rebuilt it. He asked for a better way, then walked it himself.
Before his PI even cleared, he had taken action. Now, thanks to his example, others can move forward knowing the path has already been tested.
Before meeting Certainty Wealth we had no experience at all. Now we have purchased our first property with the STEP BY STEP help from Dale, Luke in Finance and Jess. Thank you!!!
Such a wonderful experience dealing with Dale and the team at Certainty Wealth. Their expertise and guidance helped me and my family with setting up for our retirement. Hope to continue the relationship well into the future.
Can’t thank Gemma enough for all her assistance in this process CW made it easy to chat and organised everything from start to finish. Thank you so much highly recommend. Friendly nothing was a problem to discuss.
We had no idea what we were doing and with great information and guidance from Mitch and the team we were able to get what we wanted. They did all the work in finding a property and finance. I think from start to finish it was only about 3 months. I would and have recommended Certainty Wealth to friends.
I couldn't rate Certainty Wealth highly enough. They made a complicated process simple and were there to answer any questions and give support when needed
Certainty Wealth was such a pleasure to deal with, particularly Rich! Rich was so knowledgeable and we had a seamless experience! Despite our many questions, Rich was always available and explained everything in detail. Thanks again and I would highly recommend Rich and his team.
WHAT TO EXPECT
Tailored Advice for Veterans
We understand the unique mix of military super schemes, compensation structures, and long-term planning needs. From CSC restrictions to SMSFs, PI payouts to home equity - we’ll help you understand what’s possible in your situation.
Step-by-Step Support
It starts with a short online form. From there, a member of our team who understands veteran finances, will reach out for a respectful, structured conversation - without any pressure.
Your Pace. No Pressure
You stay in control the whole way. We’re here to explain what’s possible, what it might look like, and how to move forward - only if and when you’re ready.
Use What You’ve Earned
Most veterans we work with don’t need to put in any new money. Instead, we help you make the most of what you already have. Whether that’s your CSC or SMSF super (if eligible), compensation payments like PI or SRDP, or available home equity. It’s about using your existing resources to create long-term financial security, without large upfront costs.
Can I use my CSC super?
That depends on your scheme and entry date. Some veterans have access to roll part of their balance into an SMSF. Others may not. We help you figure it out.
Can I invest through super?
Yes. If eligible, you can set up a compliant SMSF and invest through that structure. It needs to be done the right way. We’ll explain how it works and if it suits you.
Can I use my PI compensation to invest?
Yes. Many veterans use part of their compensation to build something lasting. We show you how to make that money work for you, not just sit in the bank.
Will investing affect my benefits?
We help you understand how property ownership might interact with Centrelink or DVA benefits, so you can make decisions with your eyes open.
Why property?
Property isn’t the only option. But it’s a powerful one.
Used well, it can provide rental income, tax advantages, and long-term capital growth. Unlike savings or shares, it can also be funded by assets you already hold. That means it can work for you without interrupting your day-to-day life.
For many veterans, it becomes the foundation of a more stable, secure future.
Ready to Learn More?
If you’ve been referred by Andrew or Toby – or you’re simply a veteran looking for trustworthy guidance – we’re here to help.
Complete the short form below and you’ll hear from someone who understands your situation and is ready to guide you through your options – at your pace, and on your terms.