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The Calvin / Clayton Group


Meet the Team

Supported by the global resources of Merrill, our team is comprised of talented and experienced individuals committed to building strong client relationships based on trust and personalized service.

Additional Resources

The following specialists do not make securities recommendations. Please contact your Merrill Lynch Wealth Management Advisor if you have questions about how a specialist might be able to assist you.

J.T. Kirtley

J.T. Kirtley

Structured Credit Executive

Bank of America, N.A.

Erron G Wilson

Erron G Wilson

Senior Wealth Management Lending Officer

Bank of America, N.A.

NMLS #620175

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Grady West III

Wealth Strategist


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Grady West III

Wealth Strategist


Where do we begin? It starts with you.

At Merrill Lynch Wealth Management, your financial advisor focuses on the things you care about most- family, goals and priorities - even as they change over the years.

Understanding Your Life


In today's volatile capital markets environment, choosing an advisory team with deep experience is more important than ever. Clients come to us because we are a highly skilled, long-tenured team, committed to understanding you, assessing your concerns and helping to see that all of your assets are working in tandem to help achieve your goals.

Goals-based wealth management and tactical, customized asset allocation is at the core of our client relationships. It involves helping clients understand how both sides of their personal balance sheet can work together. We keep you informed and focused, so that even in difficult market conditions, you never lose sight of your priorities. We provide clear, consolidated reporting and robust online tools that give clients comprehensive updates. With access to the broadest selection of resources from within Merrill Lynch Wealth Management and our external partners, we will help you preserve and grow your wealth in a manner that allows you to be prepared for potential obstacles.

We value your trust...and realize that our team's most valuable asset is something that will never show up on any balance sheet...our reputation.

Our Investment Thesis

The financial crisis of 2008, in our opinion, highlighted the need for a more dynamic, proactive approach to portfolio management. We firmly believe that the ongoing exercise of Tactical Asset Allocation is paramount as we seek to preserve client capital and ultimately pursue strong absolute returns.  Tactical Asset Allocation allows us to tilt a client's original or existing allocation toward asset classes and markets that are expected to outperform, in the near to mid-term, and away from those that are expected to underperform. Whereas the key drivers of the original allocation were long-term risk and return expectations of the various asset classes, our more tactical approach focuses on such drivers as valuation, momentum, sentiment, the business cycle and fiscal and monetary factors, among others, to identify niche asset classes that are expected to outperform or underperform their long-term expectations. Many of these drivers are derived from closely tracking activity in the options and currency markets, including BofA Global Research.

*Some or all alternative investment programs may not be in the best interest of certain investors. No assurance can be given that any alternative investment’s investment objectives will be achieved.
*Options involve risk and are not suitable for all investors. Before engaging in the purchase or sale of options, investors should understand the nature of and extent of their rights and obligations and be aware of the risks involved in investing with options. Prior to buying or selling an option, clients must receive the options disclosure document Characteristics and Risks of Standardized Options. This document is available by contacting your Merrill Financial Advisor.

*Any information presented in connection with BofA Global Research is general in nature and is not intended to provide personal investment advice. The information does not take into account the specific investment objectives, financial situation and particular needs of any specific person who may receive it. Investors should understand that statements regarding future prospects may not be realized. BofA Global Research is research produced by BofA Securities, Inc. (“BofAS”) and/or one or more of its affiliates. BofAS is a registered broker-dealer, Member SIPC, and wholly owned subsidiary of Bank of America Corporation. BofA Global Research does and seeks to do business with companies covered in its research reports. As a result, investors should be aware that the firm may have a conflict of interest that could affect the objectivity of this report. Investors should consider this report as only a single factor in making their investment decision.

Strategically Financing Your Personal and Business Capital Needs

The decisions you make to borrow—as well as invest—can impact your entire net worth and cash flow. If you are considering any large purchases, investments or acquisitions, we can help you evaluate your financing choices carefully to see if they are working strategically within your financial framework. Whether you are looking for a letter of credit to fund an expansion of your business or seeking the most competitive home lending rate to finance the purchase of a second home, we can access banking and lending resources through Bank of America to help you move ahead with your plans.

Leaving a lasting legacy for the people and causes that matter most to you

Estate planning not only takes into account the legacy you hope to leave behind, but a range of potentially complex tax issues, gifting guidelines, trust and philanthropic vehicles and family foundation considerations. It also addresses succession plans for your business. We can collaborate with your attorney to find effective transfer and preservation strategies so that the people and causes that are important to you receive the greatest benefit.

Your Financial Approach

We offer you access to the investing insights of Merrill, trust and fiduciary services from Bank of America Private Bank, and the banking convenience of Bank of America to help you pursue your goals. We will work to help you stay on track, regardless of what the markets are doing.

Planning for healthcare expenses now and in the future
  • Long-term Care Insurance3
  • Health Savings Account2
  • Disability Insurance3
Upsizing, downsizing, remodeling or buying a vacation home
  • Home Loans2
  • Home Equity Lines of Credit2
  • Securities-Based Lending2
  • Credit Cards2
Working in retirement, selling or starting a business
  • Bank of America Business Banking2
  • Exchange Funds1
  • Concentrated Stock Management1
  • Succession Planning1
Spending your free time in meaningful ways
  • Credit Cards2
  • Securities-Based Lending2
  • Structured Lending2
Volunteering, mentoring others and giving to charities
  • Donor-Advised Funds4
  • Private Foundations4
  • Charitable Trusts4
Using your finances to bring it all together
  • Merrill Investment Accounts1
  • Investment Advisory Accounts1
  • Alternative Investments1
  • Exchange-Traded Funds1
  • Mutual Funds1
  • Closed-end Funds1
  • Fixed Income Products1
  • Options1
  • Annuities3
  • Impact Portfolios1
  • Market-Linked Investments1
  • Securities-Based Lending2
  • Margin1
  • Home Loans2
  • Bank of America Checking and Savings Accounts2
  • Credit Cards2
  • Online Account Access1,2
Taking care of your family and other people in your life
  • Trust & Estate Planning Services4
  • Education Funding1
  • Insurance3

1 Investment products are offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated.
2 Banking, mortgage and home equity products offered by Bank of America, N.A.
3 Insurance and annuity products offered through Merrill Lynch Life Agency Inc.
4 Trust and fiduciary services are provided by Bank of America Private Bank.

Staying on Track

We understand that both your life and the financial markets can change over time. By checking in to discuss changes in your life and revisiting your financial approach, our goal is to help you stay on track to achieve what's most important to you.

Reviews to help you
stay on track

We’ll meet with you to review your goals and the progress you’ve made toward reaching them. We’ll also discuss any adjustments needed to your financial approach to help you stay on course.

    Changes in your life
    and to your goals

    Your life and goals change. As these changes occur, we can update your approach to reflect them.


    MyMerrill is your online destination for access to your financial information, secure communications, and a robust offering of tools and capabilities.

    Your advisor is a click away within our site or mobile apps

    You can manage account security with our customizable security capabilities such as touch ID, one time passcode, and other security features

    Access to your complete financial life is available with My Financial Picture, Merrill’s asset aggregation tool

      Let’s Have a Conversation

      Helping you reach your goals starts with getting to know you personally. Through understanding what matters most to you, together we can help you create a financial approach that reflects your personality. Only then can we offer an approach that is built around your life priorities and the advice you need to help you address fluctuations in the market and changes in your life. Let’s work together to help you achieve your goals.

      Why Merrill?

      As Merrill Lynch Wealth Management Advisors, we will sort through the financial complexities of your life, helping you build a customized investment approach to address your needs and pursue your goals.


      We put you first, every day.
      Learn more about the dedicated one-on-one relationship you can have with a Merrill Lynch Wealth Management Advisor.

      Adjusting your investment approach as your life and the markets change.

      We will work to help you stay on track, regardless of what the markets are doing.

      Personalized advice from a dedicated financial advisor.

      We get to know you and your family, your financial situation and what matters most to you.

      A comprehensive approach, built around your life’s priorities.

      Drawing from our experience and the best thinking of Merrill, together we will design an approach that reflects your unique needs, priorities and financial situation.