Luoma, Judith (Markgraf) age 70, born and raised in South St. Paul, MN passed away on December 11, 2015 in Albertville, MN. Graveside service at Fort Snelling National Cemetery, Minneapolis, MN. Preceded in death by her husbands, Steven Neff and David Luoma, parents, John and Ella Markgraf and sister, Inez. Survived by sons, Chris and Justin Neff; granddaughter, Jordan Neff; brothers, John, Peter and George Markgraf. The Peterson Chapel St. Michael-Albertville, MN 763-497-5362 thepetersonchapel.com