If you're using a large solar sail to accelerate, the most obvious "free" way of breaking would be using the sail as a giant drag chute through the interstellar medium. Deppending on what star you're visiting and where you're coming from, you might be able to start breaking only "moments" before entering the solar system.
When using a solar sail, the choice of the star is crucial.
Your destination will be a massive star. As the mass of the star increases, so does it's surface are and power. Power increase by a factor of 10^3 with mass...
Also, your desination would "behind" our star. All stars in the galaxy fly around in one direction. In the direction of star's travel, there is a shock that results when the star's solar wind plows into the itnerstellar gas. Behind it is a long tail that's cleared away.
If you launch into the tail, the drag on your ship will be lower for a while, until the tail closes. But then, when you arrive to the destination, you'll be able to plow through the gas to break until the last moment, until you pierce through the shock.
After that, the immense power produced by the star might actually be enough to slow you down to capture you into a highly eccentric orbit.