Thanks for getting back to me and providing that clarification, @MissyI. 

As the Gear icon is used only in QuickBooks Online, that explains why you're not seeing it. I'm including an article which provides an overview of creating a copy of your Desktop data for your accountant and sharing it with them: Create an accountant's copy to send to your accountant.

If I can be of further assistance, please don't hesitate to let me know. Wishing you well.