I know you have all been losing as much sleep over this as I have

so here is the official answer that I found.

Making Plurals of NamesIf you want to make a name plural, it follows the same spelling rule as any other kind of noun. So we write that I live next door to the Smiths. No apostrophe--no letter is left out, the word is not possessive. We would also write that the Smiths live next to the Joneses. Here -es is added to Jones because the singular word ends in an s, just like we make dresses from dress.
Smith with an apostrophe s is possessive, just like any other noun. We could say I am Mr. Smith's neighbor. That is the normal rule for making possessives. There is nothing different about it because it is a name. If Smith is plural and possessive, we would follow the same pattern that we use for any other nouns: I am the Smiths' neighbor.
If the name ends with an s, the same possessive and plural rules apply to the name as to any other noun. So we say Mr. Smith is Mr. Jones' neighbor, or Mr. Smith is Mr. Jones's neighbor, depending on how we pronounce it. Be consistent, whichever way you choose. If Jones is plural, add an apostrophe after the plural form, since we never pronounce a word "Joneseses." We would write Mr. Smith is the Joneses' neighbor.
The only practice that is different is with numbers or with italicized or underlined words, letters, numbers, or symbols that name themselves.


Yeah, I know, too long to read. But when I looked up "Keeping up with the Jones'" Wikipedia said "Keeping up with the Joneses" and we all know that Wikipedia knows everything, so I will change my picture and rest easy tonight that this mystery has been solved.