<?xml version="1.0" encoding="us-ascii"?>
<!-- Generated by DFIN XBRL Schema Document - https://www.dfinsolutions.com/  -->
<!-- Copyright(c) 2026 Donnelley Financial Solutions Inc. All Rights Reserved.  -->
<schema targetNamespace="http://www.nationwide.com/20260325" elementFormDefault="qualified" xmlns="http://www.w3.org/2001/XMLSchema" xmlns:nationwide="http://www.nationwide.com/20260325" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:dei="http://xbrl.sec.gov/dei/2025" xmlns:vip="http://xbrl.sec.gov/vip/2025" xmlns:dtr-types="http://www.xbrl.org/dtr/type/2022-03-31">
  <annotation>
    <appinfo>
		<link:linkbase>
			<link:roleRef roleURI="http://xbrl.sec.gov/vip/role/N4" xlink:type="simple" xlink:href="https://xbrl.sec.gov/vip/2025/vip-2025.xsd#N4"/>			
			<link:roleRef roleURI="http://xbrl.sec.gov/vip/role/ContractOnly" xlink:type="simple" xlink:href="https://xbrl.sec.gov/vip/2025/vip-2025.xsd#ContractOnly" />
			<link:roleRef roleURI="http://xbrl.sec.gov/vip/role/ClassOnly" xlink:type="simple" xlink:href="https://xbrl.sec.gov/vip/2025/vip-2025.xsd#ClassOnly" />
			<link:roleRef roleURI="http://xbrl.sec.gov/vip/role/IndexOnly" xlink:type="simple" xlink:href="https://xbrl.sec.gov/vip/2025/vip-2025.xsd#IndexOnly" />
			<link:roleRef roleURI="http://xbrl.sec.gov/vip/role/ReturnLimitTypeOnly" xlink:type="simple" xlink:href="https://xbrl.sec.gov/vip/2025/vip-2025.xsd#ReturnLimitTypeOnly" />
			<link:roleRef roleURI="http://xbrl.sec.gov/vip/role/InvestmentOptionOnly" xlink:type="simple" xlink:href="https://xbrl.sec.gov/vip/2025/vip-2025.xsd#InvestmentOptionOnly" />
			<link:roleRef roleURI="http://xbrl.sec.gov/vip/role/IndexReturnOnly" xlink:type="simple" xlink:href="https://xbrl.sec.gov/vip/2025/vip-2025.xsd#IndexReturnOnly" />
			<link:roleRef roleURI="http://xbrl.sec.gov/vip/role/CreditingMethodologyOnly" xlink:type="simple" xlink:href="https://xbrl.sec.gov/vip/2025/vip-2025.xsd#CreditingMethodologyOnly" />
			<link:roleRef roleURI="http://xbrl.sec.gov/vip/role/AdjustmentsOnly" xlink:type="simple" xlink:href="https://xbrl.sec.gov/vip/2025/vip-2025.xsd#AdjustmentsOnly" />
			<link:roleRef roleURI="http://xbrl.sec.gov/vip/role/CoregistrantsOnly" xlink:type="simple" xlink:href="https://xbrl.sec.gov/vip/2025/vip-2025.xsd#CoregistrantsOnly" />			
			<link:roleRef roleURI="http://xbrl.sec.gov/vip/role/BenefitOnly" xlink:type="simple" xlink:href="https://xbrl.sec.gov/vip/2025/vip-2025.xsd#BenefitOnly"/>
			<link:roleRef roleURI="http://xbrl.sec.gov/vip/role/PortfolioCompanyOnly" xlink:type="simple" xlink:href="https://xbrl.sec.gov/vip/2025/vip-2025.xsd#PortfolioCompanyOnly"/>
			<link:roleRef roleURI="http://xbrl.sec.gov/vip/role/RiskOnly" xlink:type="simple" xlink:href="https://xbrl.sec.gov/vip/2025/vip-2025.xsd#RiskOnly"/>
			<link:roleRef roleURI="http://xbrl.sec.gov/vip/role/GenerationOnly" xlink:type="simple" xlink:href="https://xbrl.sec.gov/vip/2025/vip-2025.xsd#GenerationOnly"/>			
			<link:arcroleRef arcroleURI="http://xbrl.org/int/dim/arcrole/all" xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#all"/>
			<link:arcroleRef arcroleURI="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#domain-member"/>
			<link:presentationLink xlink:type="extended" xlink:role="http://xbrl.sec.gov/vip/role/N4">
				
				<!--ContractAxis-->
				<link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/vip/2025/vip-2025.xsd#vip_AllContractsMember" xlink:label="AllContractsMember"/>
				<link:loc xlink:type="locator" xlink:href="#nationwide_C000206996Member" xlink:label="C000206996Member"/>
					<link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="AllContractsMember" xlink:to="C000206996Member" order="1.0" />
					<link:loc xlink:type="locator" xlink:href="#nationwide_C000206993Member" xlink:label="C000206993Member"/>
					<link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="AllContractsMember" xlink:to="C000206993Member" order="2.0" />

				<!--ClassAxis-->
				<link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/vip/2025/vip-2025.xsd#vip_AllClassesMember" xlink:label="AllClassesMember"/>
				
				<!--IndexAxis-->
				<link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/vip/2025/vip-2025.xsd#vip_AllIndexesMember" xlink:label="AllIndexesMember"/>
								
				<!--ReturnLimitTypeAxis-->
				<link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/vip/2025/vip-2025.xsd#vip_AllReturnLimitTypesMember" xlink:label="AllReturnLimitTypesMember"/>
				
				<!--InvestmentOptionAxis-->
				<link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/vip/2025/vip-2025.xsd#vip_AllInvestmentOptionsMember" xlink:label="AllInvestmentOptionsMember"/>
				
				<!--IndexReturnAxis-->
				<link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/vip/2025/vip-2025.xsd#vip_AllIndexReturnsMember" xlink:label="AllIndexReturnsMember"/>
								
				<!--CreditingMethodologyAxis-->
				<link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/vip/2025/vip-2025.xsd#vip_AllCreditingMethodologiesMember" xlink:label="AllCreditingMethodologiesMember"/>
				
				<!--AdjustmentAxis-->
				<link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/vip/2025/vip-2025.xsd#vip_AllAdjustmentsMember" xlink:label="AllAdjustmentsMember"/>
				
				<!--CoregistrantAxis-->
				<link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/vip/2025/vip-2025.xsd#vip_AllCoregistrantsMember" xlink:label="AllCoregistrantsMember"/>
				
				<!--BenefitAxis-->
				<link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/vip/2025/vip-2025.xsd#vip_AllBenefitsMember" xlink:label="AllBenefitsMember"/>
				
				<!--PortfolioCompanyAxis-->
				<link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/vip/2025/vip-2025.xsd#vip_AllPortfolioCompaniesMember" xlink:label="AllPortfolioCompaniesMember"/>
				<link:loc xlink:type="locator" xlink:href="#nationwide_LincolnVariableInsuranceProductsTrustLVIPClearBridgeDividendStrategyFundStandardClassMember" xlink:label="LincolnVariableInsuranceProductsTrustLVIPClearBridgeDividendStrategyFundStandardClassMember"/>
					<link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="AllPortfolioCompaniesMember" xlink:to="LincolnVariableInsuranceProductsTrustLVIPClearBridgeDividendStrategyFundStandardClassMember" order="1.0" />
					<link:loc xlink:type="locator" xlink:href="#nationwide_LincolnVariableInsuranceProductsTrustLVIPClearBridgeLargeCapGrowthFundStandardClassMember" xlink:label="LincolnVariableInsuranceProductsTrustLVIPClearBridgeLargeCapGrowthFundStandardClassMember"/>
					<link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="AllPortfolioCompaniesMember" xlink:to="LincolnVariableInsuranceProductsTrustLVIPClearBridgeLargeCapGrowthFundStandardClassMember" order="2.0" />

				<!--GenerationAxis-->
				<link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/vip/2025/vip-2025.xsd#vip_CurrentGenerationMember" xlink:label="CurrentGenerationMember"/>
				
				<!--RiskAxis-->
				<link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/vip/2025/vip-2025.xsd#vip_AllRisksMember" xlink:label="AllRisksMember"/>
				
				
			</link:presentationLink>
			
			<link:definitionLink xlink:type="extended" xlink:role="http://xbrl.sec.gov/vip/role/ContractOnly">
				<link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/vip/2025/vip-2025.xsd#vip_AllContractsMember" xlink:label="AllContractsMember"/>
				<link:loc xlink:type="locator" xlink:href="#nationwide_C000206996Member" xlink:label="C000206996Member"/>
					<link:definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="AllContractsMember" xlink:to="C000206996Member" order="1.0"/>
					<link:loc xlink:type="locator" xlink:href="#nationwide_C000206993Member" xlink:label="C000206993Member"/>
					<link:definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="AllContractsMember" xlink:to="C000206993Member" order="2.0"/>

			</link:definitionLink>
			<link:definitionLink xlink:type="extended" xlink:role="http://xbrl.sec.gov/vip/role/ClassOnly">
				<link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/vip/2025/vip-2025.xsd#vip_AllClassesMember" xlink:label="AllClassesMember"/>
				
			</link:definitionLink>
			<link:definitionLink xlink:type="extended" xlink:role="http://xbrl.sec.gov/vip/role/IndexOnly">
				<link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/vip/2025/vip-2025.xsd#vip_AllIndexesMember" xlink:label="AllIndexesMember"/>
				
			</link:definitionLink>
			<link:definitionLink xlink:type="extended" xlink:role="http://xbrl.sec.gov/vip/role/ReturnLimitTypeOnly">
				<link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/vip/2025/vip-2025.xsd#vip_AllReturnLimitTypesMember" xlink:label="AllReturnLimitTypesMember"/>
				
			</link:definitionLink>
			<link:definitionLink xlink:type="extended" xlink:role="http://xbrl.sec.gov/vip/role/InvestmentOptionOnly">
				<link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/vip/2025/vip-2025.xsd#vip_AllInvestmentOptionsMember" xlink:label="AllInvestmentOptionsMember"/>
				
			</link:definitionLink>
			<link:definitionLink xlink:type="extended" xlink:role="http://xbrl.sec.gov/vip/role/IndexReturnOnly">
				<link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/vip/2025/vip-2025.xsd#vip_AllIndexReturnsMember" xlink:label="AllIndexReturnsMember"/>
				
			</link:definitionLink>
			<link:definitionLink xlink:type="extended" xlink:role="http://xbrl.sec.gov/vip/role/CreditingMethodologyOnly">
				<link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/vip/2025/vip-2025.xsd#vip_AllCreditingMethodologiesMember" xlink:label="AllCreditingMethodologiesMember"/>
				
			</link:definitionLink>
			<link:definitionLink xlink:type="extended" xlink:role="http://xbrl.sec.gov/vip/role/AdjustmentsOnly">
				<link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/vip/2025/vip-2025.xsd#vip_AllAdjustmentsMember" xlink:label="AllAdjustmentsMember"/>
				
			</link:definitionLink>
			<link:definitionLink xlink:type="extended" xlink:role="http://xbrl.sec.gov/vip/role/CoregistrantsOnly">
				<link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/vip/2025/vip-2025.xsd#vip_AllCoregistrantsMember" xlink:label="AllCoregistrantsMember"/>
				
			</link:definitionLink>
			<link:definitionLink xlink:type="extended" xlink:role="http://xbrl.sec.gov/vip/role/BenefitOnly">
				<link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/vip/2025/vip-2025.xsd#vip_AllBenefitsMember" xlink:label="AllBenefitsMember"/>
				
			</link:definitionLink>
			<link:definitionLink xlink:type="extended" xlink:role="http://xbrl.sec.gov/vip/role/PortfolioCompanyOnly">
				<link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/vip/2025/vip-2025.xsd#vip_AllPortfolioCompaniesMember" xlink:label="AllPortfolioCompaniesMember"/>
				<link:loc xlink:type="locator" xlink:href="#nationwide_LincolnVariableInsuranceProductsTrustLVIPClearBridgeDividendStrategyFundStandardClassMember" xlink:label="LincolnVariableInsuranceProductsTrustLVIPClearBridgeDividendStrategyFundStandardClassMember"/>
					<link:definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="AllPortfolioCompaniesMember" xlink:to="LincolnVariableInsuranceProductsTrustLVIPClearBridgeDividendStrategyFundStandardClassMember" order="1.0"/>
					<link:loc xlink:type="locator" xlink:href="#nationwide_LincolnVariableInsuranceProductsTrustLVIPClearBridgeLargeCapGrowthFundStandardClassMember" xlink:label="LincolnVariableInsuranceProductsTrustLVIPClearBridgeLargeCapGrowthFundStandardClassMember"/>
					<link:definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="AllPortfolioCompaniesMember" xlink:to="LincolnVariableInsuranceProductsTrustLVIPClearBridgeLargeCapGrowthFundStandardClassMember" order="2.0"/>

			</link:definitionLink>
			<link:definitionLink xlink:type="extended" xlink:role="http://xbrl.sec.gov/vip/role/GenerationOnly">
				<link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/vip/2025/vip-2025.xsd#vip_CurrentGenerationMember" xlink:label="CurrentGenerationMember"/>
				
			</link:definitionLink>
			<link:definitionLink xlink:type="extended" xlink:role="http://xbrl.sec.gov/vip/role/RiskOnly">
				<link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/vip/2025/vip-2025.xsd#vip_AllRisksMember" xlink:label="AllRisksMember"/>
				
			</link:definitionLink>
			
			<link:labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
				<link:loc xlink:type="locator" xlink:href="#nationwide_C000206996Member" xlink:label="C000206996Member"/>
					<link:label xlink:type="resource" xlink:label="label_C000206996Member" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">Nationwide Advisory Retirement Income Annuity</link:label>
					<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="C000206996Member" xlink:to="label_C000206996Member"/>
<link:loc xlink:type="locator" xlink:href="#nationwide_LincolnVariableInsuranceProductsTrustLVIPClearBridgeDividendStrategyFundStandardClassMember" xlink:label="LincolnVariableInsuranceProductsTrustLVIPClearBridgeDividendStrategyFundStandardClassMember"/>
					<link:label xlink:type="resource" xlink:label="label_LincolnVariableInsuranceProductsTrustLVIPClearBridgeDividendStrategyFundStandardClassMember" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">Lincoln Variable Insurance Products Trust - LVIP ClearBridge Dividend Strategy Fund Standard Class</link:label>
					<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LincolnVariableInsuranceProductsTrustLVIPClearBridgeDividendStrategyFundStandardClassMember" xlink:to="label_LincolnVariableInsuranceProductsTrustLVIPClearBridgeDividendStrategyFundStandardClassMember"/>
<link:loc xlink:type="locator" xlink:href="#nationwide_LincolnVariableInsuranceProductsTrustLVIPClearBridgeLargeCapGrowthFundStandardClassMember" xlink:label="LincolnVariableInsuranceProductsTrustLVIPClearBridgeLargeCapGrowthFundStandardClassMember"/>
					<link:label xlink:type="resource" xlink:label="label_LincolnVariableInsuranceProductsTrustLVIPClearBridgeLargeCapGrowthFundStandardClassMember" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">Lincoln Variable Insurance Products Trust - LVIP ClearBridge Large Cap Growth Fund Standard Class</link:label>
					<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LincolnVariableInsuranceProductsTrustLVIPClearBridgeLargeCapGrowthFundStandardClassMember" xlink:to="label_LincolnVariableInsuranceProductsTrustLVIPClearBridgeLargeCapGrowthFundStandardClassMember"/>
<link:loc xlink:type="locator" xlink:href="#nationwide_C000206993Member" xlink:label="C000206993Member"/>
					<link:label xlink:type="resource" xlink:label="label_C000206993Member" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">Nationwide Advisory Retirement Income Annuity - New York</link:label>
					<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="C000206993Member" xlink:to="label_C000206993Member"/>

			</link:labelLink>
		</link:linkbase>
	</appinfo>
  </annotation>
  <import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd" />
  <import namespace="http://www.xbrl.org/2003/linkbase" schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd" />
  <import namespace="http://xbrl.org/2005/xbrldt" schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd"/>
  <import namespace="http://www.xbrl.org/dtr/type/2022-03-31" schemaLocation="https://www.xbrl.org/dtr/type/2022-03-31/types.xsd"/>
  <import namespace="http://xbrl.sec.gov/dei/2025" schemaLocation="https://xbrl.sec.gov/dei/2025/dei-2025.xsd"/>
  <import namespace="http://xbrl.sec.gov/vip/2025" schemaLocation="https://xbrl.sec.gov/vip/2025/vip-2025.xsd" />
  <import namespace="http://xbrl.sec.gov/vip-n4/2025" schemaLocation="https://xbrl.sec.gov/vip/2025/vip-n4-2025.xsd" />
  <element name="C000206996Member" id="nationwide_C000206996Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
	<element name="LincolnVariableInsuranceProductsTrustLVIPClearBridgeDividendStrategyFundStandardClassMember" id="nationwide_LincolnVariableInsuranceProductsTrustLVIPClearBridgeDividendStrategyFundStandardClassMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
	<element name="LincolnVariableInsuranceProductsTrustLVIPClearBridgeLargeCapGrowthFundStandardClassMember" id="nationwide_LincolnVariableInsuranceProductsTrustLVIPClearBridgeLargeCapGrowthFundStandardClassMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
	<element name="C000206993Member" id="nationwide_C000206993Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>

</schema>
