Do you do your own taxes? Make sure you're claiming the retirement savings credit if you're eligible for it. I assume you are based on your income but not sure how the trust impacts what husbands reports. Unfortunately, your husband isn't eligible since he's a full time student, but you still are, so you should be able to get 10-20% of your retirement savings contributions back as a tax credit, up to $2000 in contributions per year.
Also, are you claiming the Lifetime Learning Credit for husband's schooling? Once you max that out ($10k/year), see if your state allows deductions for 529 contributions. You can funnel the money you were going to spend on the school anyway through the 529 plan to save on state taxes (unless by trust you mean it's already in a college savings plan, but based on your comments that you also pay for the car from there, I'm guessing not).
Based on these two credits, I would be surprised if you end up owing any income taxes at all at the end of the year, unless the trust is throwing off significant income. Currently, your taxes are probably about $2000/year. The LLC alone is $2k and the retirement credit should minimum $200. Unfortunately, neither are refundable but they will at least cover your full federal liability. So, I would also recommend redoing your W-4 and claiming more exemptions. You can play with the IRS W-4 calculator (
http://apps.irs.gov/app/withholdingcalculator/) to see exactly how many you would need to choose for them to stop withholding any taxes, but I think claiming 8 exemptions would be about right. No point in waiting until March to get your money back!
What kind of trip do you usually take for your anniversary? If you fly or stay in hotels, maybe you could cut or eliminate that expense by signing up for some travel credit cards w/good signup bonuses. Barclays Arrival, Chase Sapphire Preferred, and United Card are three good ones for starters. I like the blog millionmilesecrets.com for good info on this idea for beginners.
Oh! And be careful with that employer paid Master's degree! It's a great thing to take advantage of, but you'll owe taxes on the tuition payments over $5k/year just like if it were income in your pocket every month! You could be running in the red if you're not careful if your taxes increase substantially as a result. Depending how much the tuition is & how quickly you're taking classes, it might be worthwhile to switch to a regular 401k at that point to minimize the taxes you owe. Right now, you're in the 0 or 10% income bracket, so a Roth is an awesome choice!