The client and partner's marital status must be set to married or defacto.

The Risk Researcher needs analysis tool is also connected to Xtools. If you have previously created and Xtoolso or Xtools+ scenario when the client's marital status was not married or defacto when the scenario was created, the marital status assumption flows from Xtools and overrides the Client Focus data. 

The workaround for this is to create a new Xtools/+ scenario and ensure the marital status is set to “Married/De Facto”.

You will then need to create a new scenario in Risk Researcher for the updated marital status to flow though.