13K ... peanuts. Besides, unless I'm mistaken you invested in the funds with "after tax" dollars, so you should only be taxed on the "gains" and even those will have a portion that is not taxable.

As an example ONLY ...

investment in mutual funds with after tax dollars $5000
present value 13000
total gain 8000
tax free portion 50% -4000
taxable portion at your taxable income rate 4000
tax owing at 35% taxable income rate 1400 You can't walk in a lawyers office for less than that !!

There's also a good chance the investment firm held back the tax. You should check that !! Generally the government gets their pound of flesh FIRST !!