As retirement approaches, tracking down all your lost or forgotten pension pots can feel like a daunting challenge. It’s a common struggle that Robert Cochran, retirement expert at Scottish Widows , knows all too well. “ People tend to have three questions about pensions: What have I got? Is it enough? And what can I do next?” says Cochran. “If you can’t find your pension pots, you can’t answer any of these questions. “Knowing what you’ve got is the fundamental pillar of planning for your own retirement, and making sure that you’re on the track for the retirement that you want, because that’s what everything else is built on.” Delaying the search could come at a significant cost. “If you put money into a pension but can’t find it, you won’t get the money that you’re entitled to,” says Cochran.…