All QBO versions other than the free Accountant version come with a monthly subscription fee. There is non way around accessing a client's QBO file without someone somewhere paying that monthly fee. It can be the client at full list price or it can be you, the Pro Advisor at a discounted rate that you bill back to the client.
Ordinarily there are no monthly fees for Desktop versions other than PLus or Enterprise. If you are a Desktop Pro Advisor you get your Accountant Desktop included with your annual subscription. This allows you to open and access any Pro/Premier desktop company of same or one year older (or newer, I forget) version.
Your Desktop Pro Advisor subscriptions does not give you any "special" access to your client desktop files.
There is no "inclusion" of your clients' desktop files in your Pro Advisor subscription.
ANyone with the proper version and password could access your clients' desktop files.
