Appreciate your reply and would be helpful if Intuit could have their people provide some support in this space, where there is lack of response.
I did find where to set the password to protect pdf: Options menu\Environment Options\PDF\PDF security. There have number of options to set the password. But my pdf's were still printing without the password protection.
After fumbling around for over an hour, I finally found how to do it! Rather than simply printing the return (i.e. do NOT use the print icons in the menu bar at the top), but you need to Build PDF: File menu\Print/e-mail PDF (i.e. from shortcuts, not Ctrl + P, but Ctrl + Alt + P).
This will also build the pdf so that each section is bookmarked, rather than 1 giant pdf file.
