Carbon_dude, that is my plan. When i mentioned 550mm or less that was already factored in.
Her current bike is a 15+ year old 16" cannondale with a 510-520mm eff. TT(kind of hard to get this measurement exact). And a 90mm stem. So my thought was i could gain roughly 30mm going to a 60mm stem.
Yeti's new Carbon Arc comes in an xs size(14") with pretty good geom, but frame alone is $2000.
Kind of weird, but Trek's Cali is a 29" bike and they make it in a 14" size, reasonably short top tube. Don't know how they make that happen with a 29" wheel.
Maybe biased, but for a short person, the 27.5 seems like a good wheel size.