Nationwide Advisory Retirement Income Annuity

Supplement dated March 27, 2026
to the following statutory prospectus(es):

Nationwide Advisory Retirement Income Annuity and Nationwide Advisory Retirement Income Annuity - New York dated May 1, 2025

This supplement updates certain information contained in your statutory prospectus. Please read and retain

this supplement for future reference.

The Board of Trustees of the fund approved the merger of Legg Mason Partners Variable Equity Trust - ClearBridge Variable Large Cap Growth Portfolio: Class I into Lincoln Variable Insurance Products Trust - LVIP ClearBridge Large Cap Growth Fund: Standard Class. Subject to shareholder approval, the merger will be effective on or about April 24, 2026 (the "Effective Date").

As of the Effective Date, the following changes apply to the contract:

•

the Target Fund will no longer be available to receive transfers or new purchase payments;

•

the Target Fund will transfer all or substantially all of its assets to the Acquiring Fund in exchange for shares of the Acquiring Fund; and

•

the Acquiring Fund will assume all liabilities of the Target Fund.

Accordingly, the following changes apply to the prospectus:

(1) Appendix A is amended to add the following:

This underlying mutual fund’s current expenses reflect a temporary fee reduction.

Type	Underlying Mutual Fund and Adviser/ Subadviser	Current Expenses	Low Cost Fund Fee1	Current Expenses + Low Cost Fund Fee	Average Annual Total Returns (as of 12/31/2025)
					1 year	5 year	10 year
Equity	Lincoln Variable Insurance Products Trust - LVIP ClearBridge Large Cap Growth Fund: Standard Class This underlying mutual fund is only available in contracts for which good order applications were received before April 24, 2026 Investment Advisor: Lincoln Financial Investments Corporation Sub-Advisor: ClearBridge Investments, LLC	0.74%	0.00%	0.74%	8.62%	10.57%	14.46%

This underlying mutual fund’s current expenses reflect a temporary fee reduction.

Reflects the current Low Cost Fund Fee. The maximum Low Cost Fund Fee applicable for any Sub-Account is 0.70%.

(2) All references in the prospectus to the Target Fund are deleted and replaced with the Acquiring Fund.

PROS-1149