I can't seem to do a transfer from the AC to my iPhone.  I have the latest OS's across the board.  However if I record at h265 I cannot download it to the phone.  I like editing on the phone for quick stuff,  (I have LumaFusion).  I'm pretty sure I'm missing a setting somewhere.  I have my video set to Dlog-m, h265, 4k HQ.  Any tips would be appreciated.

Go 4 presents only the video format that it thinks the host device can handle. h265 at full-res is typically hard to work with even on relatively recent desktops as the codec requires a lot of juice to decompress, it may be that DJI has decided or determined your phone can't handle it?