I never said that it is not a legitimate way to earn more money. It is legitimate; it just may not meet your desire to help others at the same time. And, you may not make as much money as you do now.
You need the Series 7 exam to sell securities, not to provide advice. You must be sponsored by a FINRA member firm. You must then work as registered representative of a FINRA member firm. You cannot be registered with multiple firms at the same time.
Selling, in general, is a very difficult job. Do you know if you are any good at it? People are easily drawn in by the potential to make a lot of money (the more you sell, the more you make). But you are taking a risk by changing to a sales career so you can make more money. What happens if you’re not selling enough? You could potentially be lowering your income.
The people that hire you to sell are not trying to do you a favor; they are trying to help themselves or their company. If you don’t sell a lot, they just pay you less, lowering the risk on their end. It is in their best interest to dangle a huge, unattainable carrot over your head. If it doesn’t work out, they’re not worried about your family.