Since you said speculate in my own opinion and imagination, here goes.....
I have no facts, just observations from looking into the eyes of the accused and the deceased and what I feel. First I took a look at Dan and saw honest emotion shining for all to see. Next I looked deep into Garcia and all that resonated was sadness. What I saw from Rivera was cold, hard and unfeeling. Katherine showed not one bit of sadness or remorse and it seemed she was showing strength. Finally Wendi. I was overwhelmed at the manipulation emanating from her. Her smugness, her cunning, her detachment. Deflecting suspicion elsewhere and offering up diversions that leave her blameless and oh so innocent. I'm not falling for it, she is the ONE that benefited from all this. I intentionally left out ma, pa, and brother but they also played their devious part and without their heartless involvement and money Dan would still be here. Wendi, with her influence and emotional exploitation maneuvered her family to get on board and finance this evil deed. And Katherine was more than willing to get on the money train and possibly even suggested providing the means to eliminate Dan. The means being Garcia, who in turn recruited Rivera. You can see where I'm going with this and I know it goes against all the evidence presented so far, but that evidence mainly comes from the mouth of Rivera, who I suspect actually pulled the trigger. Garcia is taking the fall since he was the one that recruited Rivera to make the hit and he is doing his best to protect Katherine the mother of his children. Katherine has kept quiet and sat in jail for three years because she can't implicate Rivera without dire consequences. In my opinion there is no other reason she would not come clean and tell all. She fears for her life and that of her family.
