Sell these 4 things before you retire in America — holding can cost you a fortune. How many do you still own?

If you're on the brink of retirement, there are a few good moves you can make to enhance this chapter of your life. Developing a concrete retirement plan, finding ways to boost passive income and deploying tax strategies can help you step away from work with confidence.

But there is another aspect that often gets overlooked: decluttering.

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Getting rid of some stuff that's either too difficult to maintain or a silent drain on your finances could make your retired life much more comfortable and enjoyable. With that in mind, here are the top four things you may want to consider selling before you retire.

When it comes to real estate, perhaps no generation has enjoyed this asset class as much as Baby Boomers. Buying in at low prices and enjoying decades of steady appreciation has fueled many a retirement across the country.

However, the multi-decade boom has also left many seniors with unnecessarily oversized homes.

Roughly 28% of large homes (three or more bedrooms) across the nation are owned by baby boomers who are empty nesters, according to a Redfin report (1). All these empty bedrooms could be pushing up your maintenance, utilities — and, yes, property tax bills.

Downsizing to a smaller home could be the savviest move you make in retirement. Not only does this help you save on shelter costs, but it also gives you the chance to tap into some of that home equity to enhance your retirement in other ways.

If you're reluctant to downsize, you could still tap into the value of your home through a Home Equity Line of Credit or HELOC.

AmeriSave offers a flexible HELOC that lets homeowners borrow against their equity as needed during a draw period, making it useful for renovations or debt consolidation. The application is mostly online and available in most states.

It's a good fit for borrowers who want convenience and flexibility rather than a large lump-sum loan upfront.

You can draw funds only when you need them, so it's useful for ongoing or unpredictable costs. Interest is charged only on what you use and you repay the balance over time. It's essentially a flexible credit line secured by your home, delivered through a mostly-online application process .

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Maybe you got lucky and bought a huge stake in Apple in the early 2000s.

Or, you're one of the 15.1 million Americans who had a chance to participate in an Employee Stock Ownership Plan (ESOP) (2). Regardless of how you got there, if you're holding a highly concentrated stock position, retirement could be the right time to finally let go.