<?xml version="1.0" encoding="us-ascii"?>
<schema targetNamespace="http://www.nationwide.com/20241107" elementFormDefault="qualified" xmlns="http://www.w3.org/2001/XMLSchema" xmlns:nationwide="http://www.nationwide.com/20241107" 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/2023" xmlns:vip="http://xbrl.sec.gov/vip/2023" 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/2023/vip-2023.xsd#N4"/>			
			<link:roleRef roleURI="http://xbrl.sec.gov/vip/role/ContractOnly" xlink:type="simple" xlink:href="https://xbrl.sec.gov/vip/2023/vip-2023.xsd#ContractOnly" />
			<link:roleRef roleURI="http://xbrl.sec.gov/vip/role/ClassOnly" xlink:type="simple" xlink:href="https://xbrl.sec.gov/vip/2023/vip-2023.xsd#ClassOnly" />
			<link:roleRef roleURI="http://xbrl.sec.gov/vip/role/BenefitOnly" xlink:type="simple" xlink:href="https://xbrl.sec.gov/vip/2023/vip-2023.xsd#BenefitOnly" />
			<link:roleRef roleURI="http://xbrl.sec.gov/vip/role/PortfolioCompanyOnly" xlink:type="simple" xlink:href="https://xbrl.sec.gov/vip/2023/vip-2023.xsd#PortfolioCompanyOnly" />
			<link:roleRef roleURI="http://xbrl.sec.gov/vip/role/RiskOnly" xlink:type="simple" xlink:href="https://xbrl.sec.gov/vip/2023/vip-2023.xsd#RiskOnly" />
			<link:roleRef roleURI="http://xbrl.sec.gov/vip/role/GenerationOnly" xlink:type="simple" xlink:href="https://xbrl.sec.gov/vip/2023/vip-2023.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">				
				<!--BenefitAxis-->
				<link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/vip/2023/vip-2023.xsd#vip_AllBenefitsMember" xlink:label="AllBenefitsMember"/>
				<link:loc xlink:type="locator" xlink:href="#nationwide_AssetAllocationServiceMember" xlink:label="AssetAllocationServiceMember"/>
					<link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="AllBenefitsMember" xlink:to="AssetAllocationServiceMember" order="3.0" />
					<link:loc xlink:type="locator" xlink:href="#nationwide_AssetRebalancingMember" xlink:label="AssetRebalancingMember"/>
					<link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="AllBenefitsMember" xlink:to="AssetRebalancingMember" order="4.0" />
					<link:loc xlink:type="locator" xlink:href="#nationwide_DollarCostAveragingMember" xlink:label="DollarCostAveragingMember"/>
					<link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="AllBenefitsMember" xlink:to="DollarCostAveragingMember" order="5.0" />
					<link:loc xlink:type="locator" xlink:href="#nationwide_SystematicWithdrawalsMember" xlink:label="SystematicWithdrawalsMember"/>
					<link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="AllBenefitsMember" xlink:to="SystematicWithdrawalsMember" order="6.0" />

				<!--ContractAxis-->
				<link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/vip/2023/vip-2023.xsd#vip_AllContractsMember" xlink:label="AllContractsMember"/>
				<link:loc xlink:type="locator" xlink:href="#nationwide_C000222213Member" xlink:label="C000222213Member"/>
					<link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="AllContractsMember" xlink:to="C000222213Member" order="1.0" />

				<!--ClassAxis-->
				<link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/vip/2023/vip-2023.xsd#vip_AllClassesMember" xlink:label="AllClassesMember"/>
				
				<!--PortfolioCompanyAxis-->
				<link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/vip/2023/vip-2023.xsd#vip_AllPortfolioCompaniesMember" xlink:label="AllPortfolioCompaniesMember"/>
				
				<!--GenerationAxis-->
				<link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/vip/2023/vip-2023.xsd#vip_CurrentGenerationMember" xlink:label="CurrentGenerationMember"/>
				
				<!--RiskAxis-->
				<link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/vip/2023/vip-2023.xsd#vip_AllRisksMember" xlink:label="AllRisksMember"/>
				<link:loc xlink:type="locator" xlink:href="#nationwide_InvestmentoptionrestrictionsMember" xlink:label="InvestmentoptionrestrictionsMember"/>
					<link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="AllRisksMember" xlink:to="InvestmentoptionrestrictionsMember" order="6.0" />

			</link:presentationLink>
			<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/2023/vip-2023.xsd#vip_AllBenefitsMember" xlink:label="AllBenefitsMember"/>
				<link:loc xlink:type="locator" xlink:href="#nationwide_AssetAllocationServiceMember" xlink:label="AssetAllocationServiceMember"/>
					<link:definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="AllBenefitsMember" xlink:to="AssetAllocationServiceMember" order="1.0"/>
					<link:loc xlink:type="locator" xlink:href="#nationwide_AssetRebalancingMember" xlink:label="AssetRebalancingMember"/>
					<link:definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="AllBenefitsMember" xlink:to="AssetRebalancingMember" order="2.0"/>
					<link:loc xlink:type="locator" xlink:href="#nationwide_DollarCostAveragingMember" xlink:label="DollarCostAveragingMember"/>
					<link:definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="AllBenefitsMember" xlink:to="DollarCostAveragingMember" order="3.0"/>
					<link:loc xlink:type="locator" xlink:href="#nationwide_SystematicWithdrawalsMember" xlink:label="SystematicWithdrawalsMember"/>
					<link:definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="AllBenefitsMember" xlink:to="SystematicWithdrawalsMember" order="4.0"/>

			</link:definitionLink>
			<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/2023/vip-2023.xsd#vip_AllContractsMember" xlink:label="AllContractsMember"/>
				<link:loc xlink:type="locator" xlink:href="#nationwide_C000222213Member" xlink:label="C000222213Member"/>
					<link:definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="AllContractsMember" xlink:to="C000222213Member" order="1.0"/>

			</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/2023/vip-2023.xsd#vip_AllClassesMember" xlink:label="AllClassesMember"/>
				
			</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/2023/vip-2023.xsd#vip_AllPortfolioCompaniesMember" xlink:label="AllPortfolioCompaniesMember"/>
				
			</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/2023/vip-2023.xsd#vip_CurrentGenerationMember" xlink:label="CurrentGenerationMember"/>
				
				<link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/vip/2023/vip-2023.xsd#vip_PreviouslyOfferedMember" xlink:label="PreviouslyOfferedMember"/>
				
			</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/2023/vip-2023.xsd#vip_AllRisksMember" xlink:label="AllRisksMember"/>
				<link:loc xlink:type="locator" xlink:href="#nationwide_InvestmentoptionrestrictionsMember" xlink:label="InvestmentoptionrestrictionsMember"/>
					<link:definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="AllRisksMember" xlink:to="InvestmentoptionrestrictionsMember" order="1.0"/>

			</link:definitionLink>
			<link:labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
				<link:loc xlink:type="locator" xlink:href="#nationwide_C000222213Member" xlink:label="C000222213Member"/>
					<link:label xlink:type="resource" xlink:label="label_C000222213Member" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">JP Morgan Multi-Asset Choice New York</link:label>
					<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="C000222213Member" xlink:to="label_C000222213Member"/><link:loc xlink:type="locator" xlink:href="#nationwide_InvestmentoptionrestrictionsMember" xlink:label="InvestmentoptionrestrictionsMember"/>
					<link:label xlink:type="resource" xlink:label="label_InvestmentoptionrestrictionsMember" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">InvestmentoptionrestrictionsMember</link:label>
					<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InvestmentoptionrestrictionsMember" xlink:to="label_InvestmentoptionrestrictionsMember"/><link:loc xlink:type="locator" xlink:href="#nationwide_AssetAllocationServiceMember" xlink:label="AssetAllocationServiceMember"/>
					<link:label xlink:type="resource" xlink:label="label_AssetAllocationServiceMember" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">AssetAllocationServiceMember</link:label>
					<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AssetAllocationServiceMember" xlink:to="label_AssetAllocationServiceMember"/><link:loc xlink:type="locator" xlink:href="#nationwide_AssetRebalancingMember" xlink:label="AssetRebalancingMember"/>
					<link:label xlink:type="resource" xlink:label="label_AssetRebalancingMember" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">AssetRebalancingMember</link:label>
					<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AssetRebalancingMember" xlink:to="label_AssetRebalancingMember"/><link:loc xlink:type="locator" xlink:href="#nationwide_DollarCostAveragingMember" xlink:label="DollarCostAveragingMember"/>
					<link:label xlink:type="resource" xlink:label="label_DollarCostAveragingMember" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">DollarCostAveragingMember</link:label>
					<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DollarCostAveragingMember" xlink:to="label_DollarCostAveragingMember"/><link:loc xlink:type="locator" xlink:href="#nationwide_SystematicWithdrawalsMember" xlink:label="SystematicWithdrawalsMember"/>
					<link:label xlink:type="resource" xlink:label="label_SystematicWithdrawalsMember" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">SystematicWithdrawalsMember</link:label>
					<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="SystematicWithdrawalsMember" xlink:to="label_SystematicWithdrawalsMember"/>
			</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/2023" schemaLocation="https://xbrl.sec.gov/dei/2023/dei-2023.xsd"/>
  <import namespace="http://xbrl.sec.gov/vip/2023" schemaLocation="https://xbrl.sec.gov/vip/2023/vip-2023.xsd" />
  <import namespace="http://xbrl.sec.gov/vip-n4/2023" schemaLocation="https://xbrl.sec.gov/vip/2023/vip-n4-2023.xsd" />
  <element name="C000222213Member" id="nationwide_C000222213Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
	<element name="InvestmentoptionrestrictionsMember" id="nationwide_InvestmentoptionrestrictionsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
	<element name="AssetAllocationServiceMember" id="nationwide_AssetAllocationServiceMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
	<element name="AssetRebalancingMember" id="nationwide_AssetRebalancingMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
	<element name="DollarCostAveragingMember" id="nationwide_DollarCostAveragingMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
	<element name="SystematicWithdrawalsMember" id="nationwide_SystematicWithdrawalsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>

</schema>
