KyleKursk wrote: … I was hoping someone would have come back with a response that Apple knew it was a problem and to just wait till they put out another version that fixed their problem. .
Yeah-- everyone kinda hopes it's something Apple did wrong! But we've been using Sequoia for nearly a year, now, and Photos works great with it.
On a Mac you can have multiple Photos Libraries. When Photos first opens, if it doesn't see a Library it knows, it makes a new empty one and pleasantly welcomes you. So it may be that Photos doesn't know which Library you want to use. The easiest way to tell it is to go to the Library you want and double click it-- that should open Photos with that Library, and Photos will remember next time. This may be all you need to do!
Of course, it could be something different-- it's hard for us to know.
As to the disk format, it's important to know, although your Geek Squad probably set that up correctly. To find out, though, you can click on the name of the Drive (you might see it in the Finder's sidebar or on the Desktop) and use Command-i (⌘ i ) to get its information. Mine, here, is APFS.

It's very important that it not be ExFAT! Also, as Matti Haveri alluded, the Library can not be on the same drive as Time Machine.
Let us know how it goes. And if you need more help, we're here. If you get back in touch about a problem, let us know the following stuff if you can:
- What models are your devices? (You listed iPad, but asked us about a Mac-- a bit confusing.)
- What OS and/or iOS and/or iPadOS are you using?
- Are you using iCloud Photos to synchronize your devices?
- Do you have “Optimize Storage” checked in Photos’ Settings?
- What percentage of your storage is free?
- Have you tried re-starting your Mac (or iPad or iPhone) since the problem began?