Thanks for taking the time to post in the Community. It's important you're able to click on your gear icon so you can use the great features offered in QuickBooks.
When was the last time you cleared cache and cookies on your browser? Doing this will help fix most issues the site may be having. I encourage you to give this a try by following the instructions on this link: Clear Cache and Cookies. Once you've done this, feel free to reach back to me if you're still not seeing the gear icon. I'll be on standby.
Great job giving the cache and cookies and Incognito Mode a try, RMB2. If you're still running into trouble locating your Gear icon, there may be something impacting your account specifically. Please reach out to our tech support team for further troubleshooting. I'm confident our agents will get this sorted out for you in no time.