In this episode of the Daily Financial Services News Wrap, we discuss AZ Sestante's expansion plans with the appointment of Antonio Vaiente and how this move could bolster its presence in the financial advisory sector. We also explore the upcoming significant shift in Australia's superannuation sector due to persistent issues with quarterly contribution schedules. Reform measures could mitigate financial losses from market volatility and enhance retirement savings. On a global scale, we report on a decrease in insurance rates for the last quarter of 2025, led by the Asia-Pacific region. Lastly, we cover the impact of the imposed 25% US tariff on steel and aluminum, resulting in market volatility and starting trading discussions between Australia and the US. For an in-depth analysis of these topics, visit financialservicesonline.com.au.