Major prediction

Currently (up to chapter 40), there is a man who looks like Todd, but goes by a different name, living with his father who has the same first name as Cynthia’s father, as well as his mother. It was presumed that Cynthia’s mother and brother were found dead in a car at the bottom of a lake but it still hasn’t been confirmed that the mother and son found were related to Cynthia.
My prediction is that this man who looks like Todd, could possibly be a different son that Clayton had with a different woman. He may have had a completely different family. The resemblance between Todd and this man (Jeremy Sloan) could possible be caused from having the same father. This would also explain why there are no records of Cynthia’s father (because he had a different identity as Clayton Sloan) and it would also explain why he was always away for “work”. He might have actually just been balancing his life with a different family. Maybe Cynthia’s mother and brother found out about the other family and felt the need to leave and either accidentally road off the cliff into the water, or they wanted to die but they left Cynthia so she didn’t have to find out that her whole life was a lie. It could have been Clayton who was leaving the money for Cynthia for school because he felt bad about abandoning her. It would also explain why the Enid Sloan (Clayton’s wife/Jeremy’s mother) was claiming that all the money he was leaving her should have been hers.