CPF Financial Services awarded CIArb Kenya Branch for being the best Institution under a special Defined Contribution Scheme. CPF Financial Services is a leading provider of Pension Scheme Administration Services, Retirements Benefits Solutions and Training and Consultancy Services for individuals, non-profit, public and private organisations. A Defined Contribution Scheme is an employer-sponsored retirement plan whereby Individual accounts are set up for employees and benefits are based on the amounts credited to these accounts (through employer contributions and employee contributions) plus any investment earnings on the money in the account.