You were exactly right sir. I waited till the volume moved off the front speakers and I could then control her volume up/down without affecting the stereo volume.
Just an fyi there were no volume settings under the nav settings menu.
The Ford dealership, when I called them about this said, "We can't fix this over the phone you'll have to bring it in so we can hook it up to the computer to diagnose the problem it will most likely be a programming issue." This technician had no idea you could control her volume when she speaks. This was Paul Miller Ford in Lexington, KY.
Thanks so much for your assistance guys. :banvictory: